Home > Citizens Bank of Kansas > Performance and Condition Ratios
Citizens Bank of Kansas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0485% | 3,884 |
| Cost of funding earning assets | 0.9289% | 3,461 |
| Net interest margin | 3.1196% | 3,054 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.9047% | 1,265 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.8218% | 2,801 |
| Return on assets (ROA) | 0.8063% | 2,830 |
| Pretax return on assets | 0.8211% | 3,161 |
| Return on Equity (ROE) | 22.8200% | 408 |
| Retained earnings to average equity (ytd only) | 6.0634% | 2,217 |
| Net charge-offs to loans | -0.0970% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.7441% | 1,087 |
| Assets per employee ($millions) | 5.0627% | 3,593 |
| Cash dividends to net income (ytd only)* | 73.4347% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 2,811 |
| Loan loss allowance to noncurrent loans | 1,370.1571% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,360 |
| Noncurrent loans to loans | 0.0806% | 3,147 |
| Net loans and leases to total assets | 48.2200% | 3,716 |
| Net loans and leases to deposits | 52.7131% | 3,844 |
| Net loans and leases to core deposits | 54.4975% | 3,962 |
| Total domestic deposits to total assets | 91.4700% | 400 |
| Equity capital to assets | 4.7949% | 4,437 |
| Core capital (leverage) ratio | 8.5628% | 4,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7409% | 1,614 |
| Memoranda: | ||
| Average total assets | $481,316,600 | 1,769 |
| Average earning assets | $439,960,800 | 1,776 |
| Average equity | $17,003,800 | 3,094 |
| Average total loans | $227,774,600 | 2,115 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 3,875 |
| Cost of funding earning assets | 0.8069% | 3,498 |
| Net interest margin | 3.1775% | 2,967 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 2.9299% | 1,176 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 0.7723% | 3,104 |
| Return on assets (ROA) | 0.7825% | 3,066 |
| Pretax return on assets | 0.8092% | 3,314 |
| Return on Equity (ROE) | 24.3500% | 414 |
| Retained earnings to average equity (ytd only) | 4.9085% | 2,965 |
| Net charge-offs to loans | -0.1236% | 4,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.9271% | 939 |
| Assets per employee ($millions) | 5.0161% | 3,595 |
| Cash dividends to net income (ytd only)* | 79.8439% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 2,773 |
| Loan loss allowance to noncurrent loans | 981.5094% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 3,252 |
| Noncurrent loans to loans | 0.1139% | 3,005 |
| Net loans and leases to total assets | 48.2700% | 3,725 |
| Net loans and leases to deposits | 53.9593% | 3,786 |
| Net loans and leases to core deposits | 56.6134% | 3,830 |
| Total domestic deposits to total assets | 89.4500% | 1,092 |
| Equity capital to assets | 1.5699% | 4,558 |
| Core capital (leverage) ratio | 8.4957% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3971% | 1,754 |
| Memoranda: | ||
| Average total assets | $480,141,500 | 1,776 |
| Average earning assets | $438,697,750 | 1,778 |
| Average equity | $15,428,750 | 3,217 |
| Average total loans | $225,477,250 | 2,129 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 3,870 |
| Cost of funding earning assets | 0.6916% | 3,509 |
| Net interest margin | 3.2076% | 2,973 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.8736% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7432% | 3,237 |
| Return on assets (ROA) | 0.7791% | 3,157 |
| Pretax return on assets | 0.8023% | 3,393 |
| Return on Equity (ROE) | 20.7400% | 636 |
| Retained earnings to average equity (ytd only) | 4.1487% | 3,177 |
| Net charge-offs to loans | 0.0054% | 2,063 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 306.3333% | 440 |
| Efficiency ratio | 78.2042% | 987 |
| Assets per employee ($millions) | 5.0489% | 3,557 |
| Cash dividends to net income (ytd only)* | 80.0000% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 2,851 |
| Loan loss allowance to noncurrent loans | 3,847.7612% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 3,702 |
| Noncurrent loans to loans | 0.0291% | 3,547 |
| Net loans and leases to total assets | 46.9800% | 3,744 |
| Net loans and leases to deposits | 51.7219% | 3,852 |
| Net loans and leases to core deposits | 54.3249% | 3,880 |
| Total domestic deposits to total assets | 90.8200% | 701 |
| Equity capital to assets | 3.6043% | 4,535 |
| Core capital (leverage) ratio | 8.4641% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3972% | 1,761 |
| Memoranda: | ||
| Average total assets | $481,345,333 | 1,769 |
| Average earning assets | $440,459,667 | 1,781 |
| Average equity | $18,078,000 | 3,018 |
| Average total loans | $223,098,000 | 2,137 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 3,807 |
| Cost of funding earning assets | 0.5993% | 3,389 |
| Net interest margin | 3.2258% | 3,052 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.9120% | 1,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7022% | 3,460 |
| Return on assets (ROA) | 0.7630% | 3,268 |
| Pretax return on assets | 0.7964% | 3,472 |
| Return on Equity (ROE) | 19.9100% | 779 |
| Retained earnings to average equity (ytd only) | 3.5905% | 3,372 |
| Net charge-offs to loans | 0.0146% | 1,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 109.8750% | 742 |
| Efficiency ratio | 79.0895% | 897 |
| Assets per employee ($millions) | 5.0150% | 3,648 |
| Cash dividends to net income (ytd only)* | 81.9672% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 2,703 |
| Loan loss allowance to noncurrent loans | 3,302.5641% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,667 |
| Noncurrent loans to loans | 0.0355% | 3,490 |
| Net loans and leases to total assets | 45.0800% | 3,820 |
| Net loans and leases to deposits | 48.1944% | 3,954 |
| Net loans and leases to core deposits | 50.3301% | 3,984 |
| Total domestic deposits to total assets | 93.5400% | 223 |
| Equity capital to assets | 4.2348% | 4,523 |
| Core capital (leverage) ratio | 8.3724% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5604% | 1,777 |
| Memoranda: | ||
| Average total assets | $479,671,500 | 1,794 |
| Average earning assets | $439,204,500 | 1,805 |
| Average equity | $18,382,000 | 3,023 |
| Average total loans | $219,512,500 | 2,172 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5110% | 3,047 |
| Cost of funding earning assets | 0.3334% | 2,601 |
| Net interest margin | 3.1776% | 2,936 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 2.7682% | 1,389 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.8829% | 3,033 |
| Return on assets (ROA) | 0.9063% | 2,873 |
| Pretax return on assets | 0.9356% | 3,257 |
| Return on Equity (ROE) | 16.4200% | 976 |
| Retained earnings to average equity (ytd only) | 5.2206% | 2,956 |
| Net charge-offs to loans | 0.0122% | 1,933 |
| Credit loss provision to net charge-offs | 173.0769% | 1,204 |
| Earnings coverage of net charge-offs (x) | 171.8846% | 726 |
| Efficiency ratio | 74.1190% | 1,210 |
| Assets per employee ($millions) | 4.6398% | 3,946 |
| Cash dividends to net income (ytd only)* | 68.1973% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 2,505 |
| Loan loss allowance to noncurrent loans | 1,050.4065% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,288 |
| Noncurrent loans to loans | 0.1121% | 2,968 |
| Net loans and leases to total assets | 45.3700% | 3,829 |
| Net loans and leases to deposits | 48.0542% | 3,973 |
| Net loans and leases to core deposits | 49.9028% | 3,977 |
| Total domestic deposits to total assets | 94.4100% | 198 |
| Equity capital to assets | 3.4267% | 4,574 |
| Core capital (leverage) ratio | 8.3051% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4858% | 1,789 |
| Memoranda: | ||
| Average total assets | $485,368,400 | 1,758 |
| Average earning assets | $443,011,800 | 1,775 |
| Average equity | $26,797,600 | 2,491 |
| Average total loans | $213,673,200 | 2,144 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4290% | 2,837 |
| Cost of funding earning assets | 0.2983% | 2,187 |
| Net interest margin | 3.1307% | 2,828 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 2.7515% | 1,346 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8522% | 3,055 |
| Return on assets (ROA) | 0.8820% | 2,925 |
| Pretax return on assets | 0.9129% | 3,280 |
| Return on Equity (ROE) | 14.6100% | 1,257 |
| Retained earnings to average equity (ytd only) | 4.4121% | 3,322 |
| Net charge-offs to loans | 0.0258% | 1,310 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 79.6341% | 1,050 |
| Efficiency ratio | 74.5646% | 1,224 |
| Assets per employee ($millions) | 4.7295% | 3,888 |
| Cash dividends to net income (ytd only)* | 69.8107% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 2,630 |
| Loan loss allowance to noncurrent loans | 1,210.3774% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 3,455 |
| Noncurrent loans to loans | 0.0976% | 3,180 |
| Net loans and leases to total assets | 45.3700% | 3,801 |
| Net loans and leases to deposits | 47.1263% | 3,985 |
| Net loans and leases to core deposits | 48.4155% | 4,017 |
| Total domestic deposits to total assets | 96.2800% | 108 |
| Equity capital to assets | 1.4190% | 4,682 |
| Core capital (leverage) ratio | 8.1715% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9437% | 2,074 |
| Memoranda: | ||
| Average total assets | $487,235,500 | 1,762 |
| Average earning assets | $444,317,000 | 1,782 |
| Average equity | $29,403,000 | 2,396 |
| Average total loans | $212,239,750 | 2,151 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3480% | 2,583 |
| Cost of funding earning assets | 0.2656% | 2,079 |
| Net interest margin | 3.0825% | 2,588 |
| Noninterest income to average assets | 0.8024% | 1,034 |
| Noninterest expense to average assets | 2.7216% | 1,336 |
| Loan and lease loss provision to assets | 0.0085% | 2,439 |
| Net operating income to assets | 0.8543% | 2,758 |
| Return on assets (ROA) | 0.8606% | 2,706 |
| Pretax return on assets | 0.8911% | 3,099 |
| Return on Equity (ROE) | 11.4535% | 1,847 |
| Retained earnings to average equity (ytd only) | 3.3381% | 3,329 |
| Net charge-offs to loans | 0.0313% | 1,096 |
| Credit loss provision to net charge-offs | 63.6364% | 1,448 |
| Earnings coverage of net charge-offs (x) | 66.5758% | 1,034 |
| Efficiency ratio | 74.3702% | 1,471 |
| Assets per employee ($millions) | 5.0501% | 3,632 |
| Cash dividends to net income (ytd only)* | 70.8550% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,633 |
| Loan loss allowance to noncurrent loans | 1,492.9825% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0349% | 3,632 |
| Noncurrent loans to loans | 0.0811% | 3,377 |
| Net loans and leases to total assets | 42.5142% | 3,939 |
| Net loans and leases to deposits | 45.1077% | 4,064 |
| Net loans and leases to core deposits | 46.5674% | 4,098 |
| Total domestic deposits to total assets | 94.2504% | 244 |
| Equity capital to assets | 3.5616% | 4,660 |
| Core capital (leverage) ratio | 8.0792% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2543% | 1,956 |
| Memoranda: | ||
| Average total assets | $491,997,000 | 1,754 |
| Average earning assets | $448,863,333 | 1,787 |
| Average equity | $36,967,000 | 2,112 |
| Average total loans | $210,603,333 | 2,169 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3073% | 2,368 |
| Cost of funding earning assets | 0.2462% | 2,203 |
| Net interest margin | 3.0611% | 2,287 |
| Noninterest income to average assets | 0.7488% | 1,173 |
| Noninterest expense to average assets | 2.7331% | 1,284 |
| Loan and lease loss provision to assets | 0.0089% | 2,160 |
| Net operating income to assets | 0.7715% | 2,764 |
| Return on assets (ROA) | 0.7723% | 2,752 |
| Pretax return on assets | 0.8015% | 3,108 |
| Return on Equity (ROE) | 8.1495% | 2,626 |
| Retained earnings to average equity (ytd only) | 1.7292% | 3,624 |
| Net charge-offs to loans | 0.0057% | 1,546 |
| Credit loss provision to net charge-offs | 366.6667% | 610 |
| Earnings coverage of net charge-offs (x) | 332.6667% | 294 |
| Efficiency ratio | 76.2079% | 1,500 |
| Assets per employee ($millions) | 4.8850% | 3,854 |
| Cash dividends to net income (ytd only)* | 78.7815% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,698 |
| Loan loss allowance to noncurrent loans | 1,104.2918% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 3,345 |
| Noncurrent loans to loans | 0.1114% | 3,274 |
| Net loans and leases to total assets | 41.4523% | 3,919 |
| Net loans and leases to deposits | 45.6922% | 3,994 |
| Net loans and leases to core deposits | 47.0968% | 4,022 |
| Total domestic deposits to total assets | 90.7208% | 1,170 |
| Equity capital to assets | 7.1714% | 4,114 |
| Core capital (leverage) ratio | 8.2850% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2922% | 2,080 |
| Memoranda: | ||
| Average total assets | $493,063,500 | 1,752 |
| Average earning assets | $450,031,000 | 1,789 |
| Average equity | $46,727,000 | 1,830 |
| Average total loans | $210,497,500 | 2,168 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3692% | 3,006 |
| Cost of funding earning assets | 0.2757% | 2,642 |
| Net interest margin | 3.0935% | 2,923 |
| Noninterest income to average assets | 0.8105% | 1,420 |
| Noninterest expense to average assets | 2.7053% | 1,622 |
| Loan and lease loss provision to assets | 0.0139% | 2,807 |
| Net operating income to assets | 0.8690% | 3,139 |
| Return on assets (ROA) | 0.8951% | 3,118 |
| Pretax return on assets | 0.9325% | 3,413 |
| Return on Equity (ROE) | 7.5405% | 3,363 |
| Retained earnings to average equity (ytd only) | 4.0966% | 3,188 |
| Net charge-offs to loans | 0.1199% | 753 |
| Credit loss provision to net charge-offs | 26.1538% | 2,253 |
| Earnings coverage of net charge-offs (x) | 17.2962% | 1,946 |
| Efficiency ratio | 73.5563% | 1,361 |
| Assets per employee ($millions) | 4.7364% | 3,937 |
| Cash dividends to net income (ytd only)* | 45.6725% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 2,832 |
| Loan loss allowance to noncurrent loans | 750.0000% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 3,261 |
| Noncurrent loans to loans | 0.1614% | 3,132 |
| Net loans and leases to total assets | 42.9045% | 3,919 |
| Net loans and leases to deposits | 49.8811% | 3,894 |
| Net loans and leases to core deposits | 51.3372% | 3,942 |
| Total domestic deposits to total assets | 86.0136% | 2,900 |
| Equity capital to assets | 11.8316% | 1,329 |
| Core capital (leverage) ratio | 8.3081% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5782% | 2,028 |
| Memoranda: | ||
| Average total assets | $489,229,400 | 1,721 |
| Average earning assets | $445,032,000 | 1,748 |
| Average equity | $58,073,200 | 1,555 |
| Average total loans | $216,835,200 | 2,123 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3219% | 3,332 |
| Cost of funding earning assets | 0.2761% | 2,840 |
| Net interest margin | 3.0458% | 3,191 |
| Noninterest income to average assets | 0.8042% | 1,514 |
| Noninterest expense to average assets | 2.6820% | 1,634 |
| Loan and lease loss provision to assets | 0.0137% | 2,721 |
| Net operating income to assets | 0.8581% | 3,357 |
| Return on assets (ROA) | 0.8832% | 3,372 |
| Pretax return on assets | 0.9039% | 3,685 |
| Return on Equity (ROE) | 7.4343% | 3,555 |
| Retained earnings to average equity (ytd only) | 5.1419% | 3,163 |
| Net charge-offs to loans | 0.0348% | 1,381 |
| Credit loss provision to net charge-offs | 87.7193% | 1,678 |
| Earnings coverage of net charge-offs (x) | 57.4561% | 1,158 |
| Efficiency ratio | 73.9465% | 1,220 |
| Assets per employee ($millions) | 4.8693% | 3,826 |
| Cash dividends to net income (ytd only)* | 30.8356% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 2,284 |
| Loan loss allowance to noncurrent loans | 516.9173% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 3,385 |
| Noncurrent loans to loans | 0.2590% | 2,894 |
| Net loans and leases to total assets | 40.4137% | 4,187 |
| Net loans and leases to deposits | 47.5063% | 4,147 |
| Net loans and leases to core deposits | 48.9316% | 4,194 |
| Total domestic deposits to total assets | 85.0702% | 3,092 |
| Equity capital to assets | 11.6474% | 1,578 |
| Core capital (leverage) ratio | 8.3537% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7221% | 2,082 |
| Memoranda: | ||
| Average total assets | $489,573,500 | 1,739 |
| Average earning assets | $445,198,750 | 1,774 |
| Average equity | $58,161,250 | 1,580 |
| Average total loans | $218,075,000 | 2,146 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2411% | 3,584 |
| Cost of funding earning assets | 0.2779% | 3,009 |
| Net interest margin | 2.9632% | 3,411 |
| Noninterest income to average assets | 0.7743% | 1,601 |
| Noninterest expense to average assets | 2.6928% | 1,608 |
| Loan and lease loss provision to assets | 0.0169% | 2,616 |
| Net operating income to assets | 0.7423% | 3,657 |
| Return on assets (ROA) | 0.7698% | 3,658 |
| Pretax return on assets | 0.7887% | 3,891 |
| Return on Equity (ROE) | 6.4364% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.4364% | 2,646 |
| Net charge-offs to loans | 0.0243% | 1,462 |
| Credit loss provision to net charge-offs | 151.8519% | 1,158 |
| Earnings coverage of net charge-offs (x) | 69.9259% | 900 |
| Efficiency ratio | 76.4657% | 1,039 |
| Assets per employee ($millions) | 4.7890% | 3,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,652 |
| Loan loss allowance to noncurrent loans | 395.2924% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 3,309 |
| Noncurrent loans to loans | 0.3182% | 2,779 |
| Net loans and leases to total assets | 43.2649% | 4,092 |
| Net loans and leases to deposits | 50.9040% | 4,055 |
| Net loans and leases to core deposits | 52.4261% | 4,110 |
| Total domestic deposits to total assets | 84.9930% | 3,098 |
| Equity capital to assets | 11.7063% | 1,517 |
| Core capital (leverage) ratio | 8.3444% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6845% | 2,095 |
| Memoranda: | ||
| Average total assets | $485,586,333 | 1,747 |
| Average earning assets | $441,821,333 | 1,779 |
| Average equity | $58,076,333 | 1,569 |
| Average total loans | $222,287,000 | 2,139 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1259% | 3,837 |
| Cost of funding earning assets | 0.2823% | 3,172 |
| Net interest margin | 2.8435% | 3,656 |
| Noninterest income to average assets | 0.7732% | 1,654 |
| Noninterest expense to average assets | 2.7248% | 1,561 |
| Loan and lease loss provision to assets | 0.0277% | 2,422 |
| Net operating income to assets | 0.5798% | 3,992 |
| Return on assets (ROA) | 0.6164% | 3,963 |
| Pretax return on assets | 0.6349% | 4,134 |
| Return on Equity (ROE) | 5.0969% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.0969% | 3,197 |
| Net charge-offs to loans | 0.0233% | 1,280 |
| Credit loss provision to net charge-offs | 253.8462% | 811 |
| Earnings coverage of net charge-offs (x) | 57.3077% | 845 |
| Efficiency ratio | 80.1703% | 810 |
| Assets per employee ($millions) | 4.7684% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,643 |
| Loan loss allowance to noncurrent loans | 351.0746% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 3,356 |
| Noncurrent loans to loans | 0.3572% | 2,800 |
| Net loans and leases to total assets | 44.5207% | 4,080 |
| Net loans and leases to deposits | 52.2138% | 4,034 |
| Net loans and leases to core deposits | 53.4532% | 4,122 |
| Total domestic deposits to total assets | 85.2661% | 3,008 |
| Equity capital to assets | 11.4876% | 1,551 |
| Core capital (leverage) ratio | 8.4846% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6246% | 2,033 |
| Memoranda: | ||
| Average total assets | $476,959,500 | 1,761 |
| Average earning assets | $432,138,000 | 1,799 |
| Average equity | $57,682,500 | 1,568 |
| Average total loans | $223,268,500 | 2,131 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 2,803 |
| Cost of funding earning assets | 0.3572% | 3,835 |
| Net interest margin | 3.6182% | 2,081 |
| Noninterest income to average assets | 0.6934% | 1,888 |
| Noninterest expense to average assets | 3.0105% | 1,408 |
| Loan and lease loss provision to assets | 0.0661% | 3,548 |
| Net operating income to assets | 0.8603% | 2,860 |
| Return on assets (ROA) | 0.8744% | 2,946 |
| Pretax return on assets | 0.8845% | 3,411 |
| Return on Equity (ROE) | 6.6595% | 3,347 |
| Retained earnings to average equity (ytd only) | 1.6604% | 3,969 |
| Net charge-offs to loans | -0.0320% | 4,554 |
| Credit loss provision to net charge-offs | -391.6667% | 3,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9465% | 1,341 |
| Assets per employee ($millions) | 4.4074% | 4,011 |
| Cash dividends to net income (ytd only)* | 75.0670% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 2,818 |
| Loan loss allowance to noncurrent loans | 353.9153% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 3,432 |
| Noncurrent loans to loans | 0.3461% | 2,961 |
| Net loans and leases to total assets | 48.0455% | 3,970 |
| Net loans and leases to deposits | 57.4063% | 3,924 |
| Net loans and leases to core deposits | 58.8541% | 4,005 |
| Total domestic deposits to total assets | 83.6938% | 3,206 |
| Equity capital to assets | 12.7371% | 1,207 |
| Core capital (leverage) ratio | 8.6056% | 4,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7077% | 1,967 |
| Memoranda: | ||
| Average total assets | $426,574,400 | 1,779 |
| Average earning assets | $383,558,600 | 1,820 |
| Average equity | $56,010,000 | 1,530 |
| Average total loans | $225,247,000 | 2,069 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1548% | 2,507 |
| Cost of funding earning assets | 0.3739% | 3,941 |
| Net interest margin | 3.7809% | 1,679 |
| Noninterest income to average assets | 0.7345% | 1,686 |
| Noninterest expense to average assets | 3.2103% | 1,059 |
| Loan and lease loss provision to assets | 0.0486% | 3,748 |
| Net operating income to assets | 0.8593% | 2,866 |
| Return on assets (ROA) | 0.8737% | 2,931 |
| Pretax return on assets | 0.8874% | 3,413 |
| Return on Equity (ROE) | 6.5994% | 3,342 |
| Retained earnings to average equity (ytd only) | 1.7753% | 4,007 |
| Net charge-offs to loans | -0.0497% | 4,671 |
| Credit loss provision to net charge-offs | -180.9524% | 3,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3951% | 1,170 |
| Assets per employee ($millions) | 4.3354% | 4,011 |
| Cash dividends to net income (ytd only)* | 73.0994% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 3,278 |
| Loan loss allowance to noncurrent loans | 478.0797% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 3,818 |
| Noncurrent loans to loans | 0.2272% | 3,488 |
| Net loans and leases to total assets | 53.3048% | 3,863 |
| Net loans and leases to deposits | 64.0190% | 3,792 |
| Net loans and leases to core deposits | 65.5928% | 3,914 |
| Total domestic deposits to total assets | 83.2641% | 3,073 |
| Equity capital to assets | 12.8099% | 1,270 |
| Core capital (leverage) ratio | 9.0394% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4600% | 2,014 |
| Memoranda: | ||
| Average total assets | $417,524,500 | 1,784 |
| Average earning assets | $375,140,000 | 1,829 |
| Average equity | $55,276,500 | 1,538 |
| Average total loans | $225,284,000 | 2,063 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2235% | 2,682 |
| Cost of funding earning assets | 0.3966% | 4,048 |
| Net interest margin | 3.8269% | 1,750 |
| Noninterest income to average assets | 0.7731% | 1,510 |
| Noninterest expense to average assets | 3.3253% | 953 |
| Loan and lease loss provision to assets | 0.0492% | 3,686 |
| Net operating income to assets | 0.8142% | 2,990 |
| Return on assets (ROA) | 0.8248% | 3,075 |
| Pretax return on assets | 0.8430% | 3,465 |
| Return on Equity (ROE) | 6.1562% | 3,453 |
| Retained earnings to average equity (ytd only) | 1.7484% | 3,854 |
| Net charge-offs to loans | -0.0255% | 4,484 |
| Credit loss provision to net charge-offs | -357.1429% | 3,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7375% | 1,076 |
| Assets per employee ($millions) | 4.2473% | 4,060 |
| Cash dividends to net income (ytd only)* | 71.5990% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 3,208 |
| Loan loss allowance to noncurrent loans | 248.6248% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 3,412 |
| Noncurrent loans to loans | 0.4321% | 2,869 |
| Net loans and leases to total assets | 52.2646% | 4,012 |
| Net loans and leases to deposits | 62.8985% | 3,957 |
| Net loans and leases to core deposits | 64.3007% | 4,061 |
| Total domestic deposits to total assets | 83.0936% | 3,057 |
| Equity capital to assets | 12.8370% | 1,226 |
| Core capital (leverage) ratio | 9.0973% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1268% | 2,128 |
| Memoranda: | ||
| Average total assets | $406,404,000 | 1,792 |
| Average earning assets | $364,627,000 | 1,840 |
| Average equity | $54,449,333 | 1,543 |
| Average total loans | $219,384,333 | 2,088 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 3,033 |
| Cost of funding earning assets | 0.4299% | 4,237 |
| Net interest margin | 3.8311% | 1,868 |
| Noninterest income to average assets | 0.8039% | 1,302 |
| Noninterest expense to average assets | 3.5808% | 833 |
| Loan and lease loss provision to assets | 0.0538% | 3,098 |
| Net operating income to assets | 0.5716% | 3,684 |
| Return on assets (ROA) | 0.5866% | 3,696 |
| Pretax return on assets | 0.6052% | 3,910 |
| Return on Equity (ROE) | 4.2753% | 3,879 |
| Retained earnings to average equity (ytd only) | 0.5052% | 3,875 |
| Net charge-offs to loans | 0.0076% | 2,294 |
| Credit loss provision to net charge-offs | 1,300.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 155.5000% | 417 |
| Efficiency ratio | 83.3701% | 877 |
| Assets per employee ($millions) | 3.7082% | 4,267 |
| Cash dividends to net income (ytd only)* | 88.1834% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 2,860 |
| Loan loss allowance to noncurrent loans | 301.2285% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 3,355 |
| Noncurrent loans to loans | 0.3864% | 3,106 |
| Net loans and leases to total assets | 52.9743% | 4,057 |
| Net loans and leases to deposits | 64.2681% | 3,968 |
| Net loans and leases to core deposits | 65.6128% | 4,107 |
| Total domestic deposits to total assets | 82.4270% | 3,286 |
| Equity capital to assets | 13.2282% | 1,325 |
| Core capital (leverage) ratio | 9.9002% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9856% | 1,910 |
| Memoranda: | ||
| Average total assets | $386,622,500 | 1,816 |
| Average earning assets | $345,178,000 | 1,873 |
| Average equity | $53,049,500 | 1,570 |
| Average total loans | $211,269,500 | 2,116 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0298% | 1,397 |
| Cost of funding earning assets | 0.4748% | 4,189 |
| Net interest margin | 4.5550% | 639 |
| Noninterest income to average assets | 1.0560% | 850 |
| Noninterest expense to average assets | 4.0600% | 495 |
| Loan and lease loss provision to assets | 0.1519% | 1,395 |
| Net operating income to assets | 0.8923% | 3,234 |
| Return on assets (ROA) | 0.9307% | 3,168 |
| Pretax return on assets | 0.9545% | 3,590 |
| Return on Equity (ROE) | 6.7606% | 3,638 |
| Retained earnings to average equity (ytd only) | 1.5094% | 4,200 |
| Net charge-offs to loans | 0.1767% | 1,144 |
| Credit loss provision to net charge-offs | 145.2575% | 1,765 |
| Earnings coverage of net charge-offs (x) | 10.2033% | 2,594 |
| Efficiency ratio | 77.7354% | 1,177 |
| Assets per employee ($millions) | 3.4561% | 4,517 |
| Cash dividends to net income (ytd only)* | 77.6729% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 2,768 |
| Loan loss allowance to noncurrent loans | 291.9806% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 3,261 |
| Noncurrent loans to loans | 0.3885% | 3,042 |
| Net loans and leases to total assets | 55.0952% | 3,991 |
| Net loans and leases to deposits | 66.5090% | 3,923 |
| Net loans and leases to core deposits | 68.0158% | 4,083 |
| Total domestic deposits to total assets | 82.8387% | 3,252 |
| Equity capital to assets | 14.2311% | 1,029 |
| Core capital (leverage) ratio | 10.1212% | 3,391 |
| Tier 1 risk-based capital ratio | 14.0293% | 3,255 |
| Total risk-based capital ratio | 14.9417% | 3,319 |
| Memoranda: | ||
| Average total assets | $352,759,800 | 1,901 |
| Average earning assets | $315,299,600 | 1,941 |
| Average equity | $48,560,800 | 1,641 |
| Average total loans | $208,818,600 | 2,094 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1756% | 1,093 |
| Cost of funding earning assets | 0.4914% | 4,178 |
| Net interest margin | 4.6842% | 511 |
| Noninterest income to average assets | 1.1405% | 703 |
| Noninterest expense to average assets | 4.2377% | 395 |
| Loan and lease loss provision to assets | 0.1742% | 1,058 |
| Net operating income to assets | 0.8992% | 3,351 |
| Return on assets (ROA) | 0.9463% | 3,258 |
| Pretax return on assets | 0.9733% | 3,672 |
| Return on Equity (ROE) | 6.9385% | 3,702 |
| Retained earnings to average equity (ytd only) | 1.9925% | 4,272 |
| Net charge-offs to loans | 0.1858% | 928 |
| Credit loss provision to net charge-offs | 155.8621% | 1,586 |
| Earnings coverage of net charge-offs (x) | 9.8310% | 2,544 |
| Efficiency ratio | 77.9921% | 1,107 |
| Assets per employee ($millions) | 3.5712% | 4,429 |
| Cash dividends to net income (ytd only)* | 71.2833% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,253 |
| Loan loss allowance to noncurrent loans | 211.4638% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 3,352 |
| Noncurrent loans to loans | 0.4989% | 2,797 |
| Net loans and leases to total assets | 59.4087% | 3,733 |
| Net loans and leases to deposits | 72.1761% | 3,604 |
| Net loans and leases to core deposits | 74.1074% | 3,820 |
| Total domestic deposits to total assets | 82.3108% | 3,384 |
| Equity capital to assets | 14.3071% | 1,038 |
| Core capital (leverage) ratio | 10.1909% | 3,432 |
| Tier 1 risk-based capital ratio | 13.5311% | 3,555 |
| Total risk-based capital ratio | 14.4115% | 3,666 |
| Memoranda: | ||
| Average total assets | $345,906,000 | 1,936 |
| Average earning assets | $309,855,250 | 1,976 |
| Average equity | $47,175,250 | 1,683 |
| Average total loans | $208,058,000 | 2,120 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1674% | 1,048 |
| Cost of funding earning assets | 0.5105% | 4,071 |
| Net interest margin | 4.6569% | 543 |
| Noninterest income to average assets | 1.3951% | 447 |
| Noninterest expense to average assets | 4.6510% | 268 |
| Loan and lease loss provision to assets | 0.1797% | 996 |
| Net operating income to assets | 0.7198% | 3,933 |
| Return on assets (ROA) | 0.7319% | 3,951 |
| Pretax return on assets | 0.7593% | 4,197 |
| Return on Equity (ROE) | 5.4674% | 4,215 |
| Retained earnings to average equity (ytd only) | 1.2308% | 4,371 |
| Net charge-offs to loans | 0.2351% | 717 |
| Credit loss provision to net charge-offs | 127.0042% | 1,679 |
| Earnings coverage of net charge-offs (x) | 6.5485% | 2,556 |
| Efficiency ratio | 81.9972% | 799 |
| Assets per employee ($millions) | 3.5354% | 4,460 |
| Cash dividends to net income (ytd only)* | 77.4878% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,631 |
| Loan loss allowance to noncurrent loans | 182.1712% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 3,213 |
| Noncurrent loans to loans | 0.5486% | 2,621 |
| Net loans and leases to total assets | 59.6435% | 3,770 |
| Net loans and leases to deposits | 72.0770% | 3,683 |
| Net loans and leases to core deposits | 74.0343% | 3,891 |
| Total domestic deposits to total assets | 82.7497% | 3,289 |
| Equity capital to assets | 13.9506% | 1,134 |
| Core capital (leverage) ratio | 9.9134% | 3,684 |
| Tier 1 risk-based capital ratio | 13.2852% | 3,698 |
| Total risk-based capital ratio | 14.1252% | 3,807 |
| Memoranda: | ||
| Average total assets | $335,025,670 | 1,984 |
| Average earning assets | $300,889,000 | 2,033 |
| Average equity | $44,847,330 | 1,764 |
| Average total loans | $201,648,000 | 2,180 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6813% | 372 |
| Cost of funding earning assets | 0.5471% | 3,835 |
| Net interest margin | 5.1343% | 225 |
| Noninterest income to average assets | 0.9460% | 928 |
| Noninterest expense to average assets | 4.6068% | 264 |
| Loan and lease loss provision to assets | 0.1925% | 842 |
| Net operating income to assets | 0.7434% | 3,792 |
| Return on assets (ROA) | 0.7496% | 3,820 |
| Pretax return on assets | 0.7791% | 4,100 |
| Return on Equity (ROE) | 5.7483% | 4,100 |
| Retained earnings to average equity (ytd only) | 1.0729% | 4,293 |
| Net charge-offs to loans | -0.0661% | 4,911 |
| Credit loss provision to net charge-offs | -483.8710% | 3,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1795% | 953 |
| Assets per employee ($millions) | 3.5170% | 4,544 |
| Cash dividends to net income (ytd only)* | 81.3356% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 3,395 |
| Loan loss allowance to noncurrent loans | 340.9027% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 3,900 |
| Noncurrent loans to loans | 0.3086% | 3,462 |
| Net loans and leases to total assets | 58.7637% | 3,807 |
| Net loans and leases to deposits | 70.4549% | 3,739 |
| Net loans and leases to core deposits | 72.3898% | 3,914 |
| Total domestic deposits to total assets | 83.4062% | 3,253 |
| Equity capital to assets | 13.4551% | 1,227 |
| Core capital (leverage) ratio | 9.7885% | 3,826 |
| Tier 1 risk-based capital ratio | 13.5320% | 3,586 |
| Total risk-based capital ratio | 14.4373% | 3,692 |
| Memoranda: | ||
| Average total assets | $311,628,500 | 2,118 |
| Average earning assets | $280,778,500 | 2,173 |
| Average equity | $40,638,000 | 1,904 |
| Average total loans | $187,457,000 | 2,299 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5288% | 2,375 |
| Cost of funding earning assets | 0.4274% | 3,813 |
| Net interest margin | 4.1014% | 1,674 |
| Noninterest income to average assets | 0.7683% | 1,575 |
| Noninterest expense to average assets | 3.5848% | 890 |
| Loan and lease loss provision to assets | 0.0552% | 3,069 |
| Net operating income to assets | 0.8636% | 3,566 |
| Return on assets (ROA) | 1.0945% | 2,620 |
| Pretax return on assets | 1.1218% | 3,199 |
| Return on Equity (ROE) | 8.9286% | 3,030 |
| Retained earnings to average equity (ytd only) | 4.3945% | 3,121 |
| Net charge-offs to loans | 0.0311% | 2,777 |
| Credit loss provision to net charge-offs | 280.4348% | 1,080 |
| Earnings coverage of net charge-offs (x) | 47.8696% | 1,166 |
| Efficiency ratio | 79.2009% | 1,023 |
| Assets per employee ($millions) | 3.7521% | 4,245 |
| Cash dividends to net income (ytd only)* | 50.7813% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 1,175 |
| Loan loss allowance to noncurrent loans | 568.9567% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 3,991 |
| Noncurrent loans to loans | 0.2707% | 3,605 |
| Net loans and leases to total assets | 60.4609% | 3,719 |
| Net loans and leases to deposits | 72.5655% | 3,621 |
| Net loans and leases to core deposits | 75.8623% | 3,729 |
| Total domestic deposits to total assets | 83.3191% | 3,219 |
| Equity capital to assets | 12.3621% | 1,657 |
| Core capital (leverage) ratio | 10.4058% | 3,134 |
| Tier 1 risk-based capital ratio | 13.8605% | 3,356 |
| Total risk-based capital ratio | 15.1110% | 3,285 |
| Memoranda: | ||
| Average total assets | $233,903,000 | 2,585 |
| Average earning assets | $214,317,800 | 2,609 |
| Average equity | $28,672,000 | 2,420 |
| Average total loans | $147,791,400 | 2,672 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 2,343 |
| Cost of funding earning assets | 0.4185% | 3,730 |
| Net interest margin | 4.0714% | 1,718 |
| Noninterest income to average assets | 0.7687% | 1,584 |
| Noninterest expense to average assets | 3.6138% | 839 |
| Loan and lease loss provision to assets | 0.0634% | 2,705 |
| Net operating income to assets | 0.8027% | 3,889 |
| Return on assets (ROA) | 1.1054% | 2,651 |
| Pretax return on assets | 1.1396% | 3,244 |
| Return on Equity (ROE) | 9.0368% | 3,063 |
| Retained earnings to average equity (ytd only) | 4.4810% | 3,506 |
| Net charge-offs to loans | 0.0862% | 1,645 |
| Credit loss provision to net charge-offs | 115.6250% | 2,046 |
| Earnings coverage of net charge-offs (x) | 16.2391% | 2,173 |
| Efficiency ratio | 80.2208% | 925 |
| Assets per employee ($millions) | 3.4289% | 4,650 |
| Cash dividends to net income (ytd only)* | 50.4138% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 1,469 |
| Loan loss allowance to noncurrent loans | 300.6935% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 3,249 |
| Noncurrent loans to loans | 0.4877% | 2,927 |
| Net loans and leases to total assets | 62.4728% | 3,605 |
| Net loans and leases to deposits | 75.0624% | 3,498 |
| Net loans and leases to core deposits | 79.6991% | 3,519 |
| Total domestic deposits to total assets | 83.2279% | 3,222 |
| Equity capital to assets | 12.1857% | 1,777 |
| Core capital (leverage) ratio | 10.3178% | 3,272 |
| Tier 1 risk-based capital ratio | 13.5354% | 3,606 |
| Total risk-based capital ratio | 14.7680% | 3,531 |
| Memoranda: | ||
| Average total assets | $233,282,750 | 2,597 |
| Average earning assets | $214,075,500 | 2,619 |
| Average equity | $28,534,500 | 2,434 |
| Average total loans | $148,450,250 | 2,680 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4759% | 2,164 |
| Cost of funding earning assets | 0.4140% | 3,611 |
| Net interest margin | 4.0620% | 1,666 |
| Noninterest income to average assets | 0.7380% | 1,693 |
| Noninterest expense to average assets | 3.6628% | 809 |
| Loan and lease loss provision to assets | 0.0617% | 2,669 |
| Net operating income to assets | 0.7192% | 4,141 |
| Return on assets (ROA) | 1.1641% | 2,333 |
| Pretax return on assets | 1.1983% | 2,951 |
| Return on Equity (ROE) | 9.5048% | 2,801 |
| Retained earnings to average equity (ytd only) | 4.9554% | 3,096 |
| Net charge-offs to loans | 0.0336% | 2,175 |
| Credit loss provision to net charge-offs | 288.0000% | 1,032 |
| Earnings coverage of net charge-offs (x) | 37.4000% | 1,341 |
| Efficiency ratio | 82.0469% | 832 |
| Assets per employee ($millions) | 3.4505% | 4,661 |
| Cash dividends to net income (ytd only)* | 47.8645% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 1,433 |
| Loan loss allowance to noncurrent loans | 268.9487% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 3,183 |
| Noncurrent loans to loans | 0.5532% | 2,756 |
| Net loans and leases to total assets | 61.1782% | 3,688 |
| Net loans and leases to deposits | 73.2021% | 3,606 |
| Net loans and leases to core deposits | 78.8873% | 3,504 |
| Total domestic deposits to total assets | 83.5744% | 3,228 |
| Equity capital to assets | 11.9861% | 1,865 |
| Core capital (leverage) ratio | 10.2265% | 3,329 |
| Tier 1 risk-based capital ratio | 13.3325% | 3,714 |
| Total risk-based capital ratio | 14.5778% | 3,638 |
| Memoranda: | ||
| Average total assets | $233,321,330 | 2,608 |
| Average earning assets | $214,033,000 | 2,636 |
| Average equity | $28,575,000 | 2,441 |
| Average total loans | $148,655,670 | 2,678 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3710% | 2,291 |
| Cost of funding earning assets | 0.4085% | 3,523 |
| Net interest margin | 3.9625% | 1,836 |
| Noninterest income to average assets | 0.7846% | 1,502 |
| Noninterest expense to average assets | 3.7603% | 704 |
| Loan and lease loss provision to assets | 0.0762% | 2,239 |
| Net operating income to assets | 0.5600% | 4,541 |
| Return on assets (ROA) | 1.4341% | 1,250 |
| Pretax return on assets | 1.4688% | 1,771 |
| Return on Equity (ROE) | 11.5828% | 1,730 |
| Retained earnings to average equity (ytd only) | 7.0364% | 2,267 |
| Net charge-offs to loans | 0.0725% | 1,398 |
| Credit loss provision to net charge-offs | 162.9630% | 1,179 |
| Earnings coverage of net charge-offs (x) | 13.9630% | 1,732 |
| Efficiency ratio | 85.2041% | 696 |
| Assets per employee ($millions) | 3.4491% | 4,730 |
| Cash dividends to net income (ytd only)* | 39.2512% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,662 |
| Loan loss allowance to noncurrent loans | 144.3779% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6980% | 2,234 |
| Noncurrent loans to loans | 1.0038% | 1,818 |
| Net loans and leases to total assets | 63.8543% | 3,329 |
| Net loans and leases to deposits | 76.7461% | 3,137 |
| Net loans and leases to core deposits | 82.9230% | 3,071 |
| Total domestic deposits to total assets | 83.2020% | 3,602 |
| Equity capital to assets | 12.3244% | 1,589 |
| Core capital (leverage) ratio | 10.3461% | 3,126 |
| Tier 1 risk-based capital ratio | 13.2096% | 3,843 |
| Total risk-based capital ratio | 14.4372% | 3,754 |
| Memoranda: | ||
| Average total assets | $230,939,500 | 2,657 |
| Average earning assets | $211,484,000 | 2,677 |
| Average equity | $28,594,000 | 2,461 |
| Average total loans | $149,055,500 | 2,698 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3538% | 2,169 |
| Cost of funding earning assets | 0.2965% | 4,173 |
| Net interest margin | 4.0572% | 1,568 |
| Noninterest income to average assets | 0.7848% | 1,631 |
| Noninterest expense to average assets | 3.4603% | 1,107 |
| Loan and lease loss provision to assets | 0.1528% | 1,476 |
| Net operating income to assets | 0.8405% | 2,995 |
| Return on assets (ROA) | 0.8409% | 3,022 |
| Pretax return on assets | 0.8701% | 4,016 |
| Return on Equity (ROE) | 6.5946% | 3,485 |
| Retained earnings to average equity (ytd only) | 2.0920% | 4,068 |
| Net charge-offs to loans | -0.0343% | 5,089 |
| Credit loss provision to net charge-offs | -736.1702% | 5,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1921% | 1,457 |
| Assets per employee ($millions) | 3.4447% | 4,774 |
| Cash dividends to net income (ytd only)* | 68.2773% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 1,575 |
| Loan loss allowance to noncurrent loans | 130.1511% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 2,179 |
| Noncurrent loans to loans | 1.1154% | 1,583 |
| Net loans and leases to total assets | 63.3592% | 3,446 |
| Net loans and leases to deposits | 75.0064% | 3,429 |
| Net loans and leases to core deposits | 81.2893% | 3,312 |
| Total domestic deposits to total assets | 84.4717% | 3,046 |
| Equity capital to assets | 12.4389% | 1,554 |
| Core capital (leverage) ratio | 10.5356% | 2,805 |
| Tier 1 risk-based capital ratio | 12.9943% | 3,906 |
| Total risk-based capital ratio | 14.2195% | 3,826 |
| Memoranda: | ||
| Average total assets | $226,423,400 | 2,668 |
| Average earning assets | $206,373,400 | 2,711 |
| Average equity | $28,872,200 | 2,440 |
| Average total loans | $136,895,200 | 2,826 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 2,098 |
| Cost of funding earning assets | 0.2812% | 4,302 |
| Net interest margin | 4.0720% | 1,472 |
| Noninterest income to average assets | 0.8011% | 1,578 |
| Noninterest expense to average assets | 3.4542% | 1,061 |
| Loan and lease loss provision to assets | 0.1385% | 1,545 |
| Net operating income to assets | 0.8857% | 3,102 |
| Return on assets (ROA) | 0.8857% | 3,147 |
| Pretax return on assets | 0.9183% | 3,974 |
| Return on Equity (ROE) | 6.9008% | 3,717 |
| Retained earnings to average equity (ytd only) | 2.4063% | 4,446 |
| Net charge-offs to loans | -0.0657% | 5,252 |
| Credit loss provision to net charge-offs | -354.5455% | 4,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5740% | 1,513 |
| Assets per employee ($millions) | 3.3665% | 4,892 |
| Cash dividends to net income (ytd only)* | 65.1304% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4747% | 1,624 |
| Loan loss allowance to noncurrent loans | 158.7057% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 2,801 |
| Noncurrent loans to loans | 0.9292% | 2,065 |
| Net loans and leases to total assets | 61.0165% | 3,763 |
| Net loans and leases to deposits | 72.6505% | 3,708 |
| Net loans and leases to core deposits | 78.7137% | 3,569 |
| Total domestic deposits to total assets | 83.9863% | 3,130 |
| Equity capital to assets | 13.0668% | 1,352 |
| Core capital (leverage) ratio | 10.3242% | 3,171 |
| Tier 1 risk-based capital ratio | 13.5583% | 3,671 |
| Total risk-based capital ratio | 14.7852% | 3,595 |
| Memoranda: | ||
| Average total assets | $225,341,250 | 2,701 |
| Average earning assets | $205,301,000 | 2,736 |
| Average equity | $28,923,250 | 2,451 |
| Average total loans | $134,023,500 | 2,882 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2560% | 2,261 |
| Cost of funding earning assets | 0.2712% | 4,365 |
| Net interest margin | 3.9848% | 1,657 |
| Noninterest income to average assets | 0.7635% | 1,712 |
| Noninterest expense to average assets | 3.4501% | 1,080 |
| Loan and lease loss provision to assets | 0.1323% | 1,575 |
| Net operating income to assets | 0.7715% | 3,534 |
| Return on assets (ROA) | 0.7715% | 3,585 |
| Pretax return on assets | 0.8070% | 4,243 |
| Return on Equity (ROE) | 6.0473% | 4,025 |
| Retained earnings to average equity (ytd only) | 1.5240% | 4,635 |
| Net charge-offs to loans | -0.0378% | 5,047 |
| Credit loss provision to net charge-offs | -596.0000% | 4,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6003% | 1,382 |
| Assets per employee ($millions) | 3.2328% | 5,055 |
| Cash dividends to net income (ytd only)* | 74.7986% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,867 |
| Loan loss allowance to noncurrent loans | 250.0647% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 3,750 |
| Noncurrent loans to loans | 0.5674% | 3,031 |
| Net loans and leases to total assets | 59.3445% | 3,898 |
| Net loans and leases to deposits | 70.5465% | 3,869 |
| Net loans and leases to core deposits | 75.6120% | 3,807 |
| Total domestic deposits to total assets | 84.1211% | 3,148 |
| Equity capital to assets | 12.9919% | 1,380 |
| Core capital (leverage) ratio | 10.2312% | 3,233 |
| Tier 1 risk-based capital ratio | 13.2018% | 3,878 |
| Total risk-based capital ratio | 14.3379% | 3,860 |
| Memoranda: | ||
| Average total assets | $225,269,330 | 2,721 |
| Average earning assets | $204,980,000 | 2,755 |
| Average equity | $28,740,000 | 2,456 |
| Average total loans | $132,135,670 | 2,910 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 2,170 |
| Cost of funding earning assets | 0.2604% | 4,453 |
| Net interest margin | 3.9687% | 1,553 |
| Noninterest income to average assets | 0.7653% | 1,687 |
| Noninterest expense to average assets | 3.4366% | 1,136 |
| Loan and lease loss provision to assets | 0.1299% | 1,477 |
| Net operating income to assets | 0.7599% | 3,430 |
| Return on assets (ROA) | 0.7599% | 3,483 |
| Pretax return on assets | 0.8062% | 4,088 |
| Return on Equity (ROE) | 6.0120% | 3,902 |
| Retained earnings to average equity (ytd only) | 1.4361% | 4,530 |
| Net charge-offs to loans | 0.0338% | 2,101 |
| Credit loss provision to net charge-offs | 663.6364% | 480 |
| Earnings coverage of net charge-offs (x) | 47.8182% | 928 |
| Efficiency ratio | 78.5918% | 1,548 |
| Assets per employee ($millions) | 3.3839% | 4,953 |
| Cash dividends to net income (ytd only)* | 76.1124% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 2,025 |
| Loan loss allowance to noncurrent loans | 229.7604% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 3,777 |
| Noncurrent loans to loans | 0.6152% | 2,982 |
| Net loans and leases to total assets | 56.8978% | 4,080 |
| Net loans and leases to deposits | 67.4868% | 4,043 |
| Net loans and leases to core deposits | 71.5295% | 4,027 |
| Total domestic deposits to total assets | 84.3095% | 3,356 |
| Equity capital to assets | 12.8589% | 1,320 |
| Core capital (leverage) ratio | 10.2721% | 3,155 |
| Tier 1 risk-based capital ratio | 13.5332% | 3,757 |
| Total risk-based capital ratio | 14.6366% | 3,762 |
| Memoranda: | ||
| Average total assets | $224,757,000 | 2,752 |
| Average earning assets | $204,297,000 | 2,784 |
| Average equity | $28,410,000 | 2,486 |
| Average total loans | $130,090,500 | 2,957 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 3,004 |
| Cost of funding earning assets | 0.2427% | 4,631 |
| Net interest margin | 3.8130% | 2,269 |
| Noninterest income to average assets | 0.7243% | 2,058 |
| Noninterest expense to average assets | 3.3865% | 1,389 |
| Loan and lease loss provision to assets | 0.0819% | 2,721 |
| Net operating income to assets | 0.7017% | 3,774 |
| Return on assets (ROA) | 0.7380% | 3,712 |
| Pretax return on assets | 0.7725% | 4,261 |
| Return on Equity (ROE) | 5.7533% | 4,094 |
| Retained earnings to average equity (ytd only) | 0.5475% | 5,109 |
| Net charge-offs to loans | 0.1860% | 1,488 |
| Credit loss provision to net charge-offs | 82.2511% | 2,940 |
| Earnings coverage of net charge-offs (x) | 8.2035% | 2,903 |
| Efficiency ratio | 80.5741% | 1,350 |
| Assets per employee ($millions) | 3.3261% | 5,010 |
| Cash dividends to net income (ytd only)* | 90.4845% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 2,337 |
| Loan loss allowance to noncurrent loans | 267.0713% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 4,022 |
| Noncurrent loans to loans | 0.5020% | 3,351 |
| Net loans and leases to total assets | 57.2672% | 4,142 |
| Net loans and leases to deposits | 67.4745% | 4,131 |
| Net loans and leases to core deposits | 71.1057% | 4,142 |
| Total domestic deposits to total assets | 84.8723% | 3,104 |
| Equity capital to assets | 12.4245% | 1,564 |
| Core capital (leverage) ratio | 10.3106% | 3,093 |
| Tier 1 risk-based capital ratio | 13.4827% | 3,778 |
| Total risk-based capital ratio | 14.5496% | 3,810 |
| Memoranda: | ||
| Average total assets | $232,098,600 | 2,639 |
| Average earning assets | $211,749,400 | 2,684 |
| Average equity | $29,774,000 | 2,366 |
| Average total loans | $124,213,400 | 3,005 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 3,112 |
| Cost of funding earning assets | 0.2404% | 4,696 |
| Net interest margin | 3.7888% | 2,370 |
| Noninterest income to average assets | 0.7175% | 2,094 |
| Noninterest expense to average assets | 3.2650% | 1,641 |
| Loan and lease loss provision to assets | 0.0908% | 2,411 |
| Net operating income to assets | 0.7784% | 3,465 |
| Return on assets (ROA) | 0.8117% | 3,452 |
| Pretax return on assets | 0.8608% | 4,118 |
| Return on Equity (ROE) | 6.2796% | 3,941 |
| Retained earnings to average equity (ytd only) | 0.4284% | 5,246 |
| Net charge-offs to loans | 0.0381% | 2,868 |
| Credit loss provision to net charge-offs | 454.2857% | 765 |
| Earnings coverage of net charge-offs (x) | 45.8528% | 1,136 |
| Efficiency ratio | 78.0887% | 1,682 |
| Assets per employee ($millions) | 3.0698% | 5,318 |
| Cash dividends to net income (ytd only)* | 93.1786% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5289% | 1,657 |
| Loan loss allowance to noncurrent loans | 159.6186% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5752% | 3,180 |
| Noncurrent loans to loans | 0.9578% | 2,327 |
| Net loans and leases to total assets | 55.3251% | 4,376 |
| Net loans and leases to deposits | 68.5726% | 4,100 |
| Net loans and leases to core deposits | 71.8711% | 4,170 |
| Total domestic deposits to total assets | 80.6811% | 4,330 |
| Equity capital to assets | 13.6539% | 1,176 |
| Core capital (leverage) ratio | 10.1101% | 3,432 |
| Tier 1 risk-based capital ratio | 12.9617% | 4,188 |
| Total risk-based capital ratio | 14.0768% | 4,177 |
| Memoranda: | ||
| Average total assets | $233,579,500 | 2,640 |
| Average earning assets | $213,537,750 | 2,671 |
| Average equity | $30,192,250 | 2,356 |
| Average total loans | $122,445,750 | 3,032 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 3,169 |
| Cost of funding earning assets | 0.2389% | 4,770 |
| Net interest margin | 3.7835% | 2,390 |
| Noninterest income to average assets | 0.6894% | 2,193 |
| Noninterest expense to average assets | 3.2204% | 1,761 |
| Loan and lease loss provision to assets | 0.1005% | 2,156 |
| Net operating income to assets | 0.7729% | 3,430 |
| Return on assets (ROA) | 0.7983% | 3,460 |
| Pretax return on assets | 0.8473% | 4,130 |
| Return on Equity (ROE) | 6.2881% | 3,908 |
| Retained earnings to average equity (ytd only) | 0.2994% | 5,210 |
| Net charge-offs to loans | 0.0528% | 2,447 |
| Credit loss provision to net charge-offs | 371.8750% | 821 |
| Earnings coverage of net charge-offs (x) | 34.0625% | 1,287 |
| Efficiency ratio | 77.7642% | 1,826 |
| Assets per employee ($millions) | 3.1571% | 5,262 |
| Cash dividends to net income (ytd only)* | 95.2381% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 1,751 |
| Loan loss allowance to noncurrent loans | 209.4235% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 3,864 |
| Noncurrent loans to loans | 0.7313% | 2,907 |
| Net loans and leases to total assets | 51.9835% | 4,674 |
| Net loans and leases to deposits | 61.8682% | 4,667 |
| Net loans and leases to core deposits | 64.5972% | 4,698 |
| Total domestic deposits to total assets | 84.0230% | 3,257 |
| Equity capital to assets | 13.0680% | 1,460 |
| Core capital (leverage) ratio | 9.8750% | 3,718 |
| Tier 1 risk-based capital ratio | 12.9060% | 4,253 |
| Total risk-based capital ratio | 13.9981% | 4,256 |
| Memoranda: | ||
| Average total assets | $236,740,330 | 2,626 |
| Average earning assets | $215,988,670 | 2,657 |
| Average equity | $30,057,000 | 2,365 |
| Average total loans | $121,292,000 | 3,054 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9538% | 3,391 |
| Cost of funding earning assets | 0.2367% | 4,844 |
| Net interest margin | 3.7172% | 2,602 |
| Noninterest income to average assets | 0.6714% | 2,164 |
| Noninterest expense to average assets | 3.2564% | 1,703 |
| Loan and lease loss provision to assets | 0.1125% | 1,860 |
| Net operating income to assets | 0.6513% | 3,969 |
| Return on assets (ROA) | 0.6513% | 4,090 |
| Pretax return on assets | 0.7033% | 4,517 |
| Return on Equity (ROE) | 5.2045% | 4,392 |
| Retained earnings to average equity (ytd only) | -2.1730% | 5,400 |
| Net charge-offs to loans | 0.0266% | 2,408 |
| Credit loss provision to net charge-offs | 837.5000% | 420 |
| Earnings coverage of net charge-offs (x) | 60.7500% | 772 |
| Efficiency ratio | 79.9670% | 1,610 |
| Assets per employee ($millions) | 3.2247% | 5,236 |
| Cash dividends to net income (ytd only)* | 141.7526% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 1,866 |
| Loan loss allowance to noncurrent loans | 226.0024% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3823% | 4,059 |
| Noncurrent loans to loans | 0.6757% | 3,152 |
| Net loans and leases to total assets | 50.9482% | 4,727 |
| Net loans and leases to deposits | 60.4017% | 4,688 |
| Net loans and leases to core deposits | 63.0327% | 4,749 |
| Total domestic deposits to total assets | 84.3489% | 3,378 |
| Equity capital to assets | 12.8142% | 1,501 |
| Core capital (leverage) ratio | 9.6359% | 3,987 |
| Tier 1 risk-based capital ratio | 12.9653% | 4,288 |
| Total risk-based capital ratio | 14.0556% | 4,302 |
| Memoranda: | ||
| Average total assets | $238,298,500 | 2,628 |
| Average earning assets | $218,016,000 | 2,645 |
| Average equity | $29,820,500 | 2,377 |
| Average total loans | $120,270,500 | 3,083 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8488% | 3,884 |
| Cost of funding earning assets | 0.2369% | 4,927 |
| Net interest margin | 3.6119% | 3,088 |
| Noninterest income to average assets | 0.7256% | 2,087 |
| Noninterest expense to average assets | 3.2518% | 1,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7542% | 3,552 |
| Return on assets (ROA) | 0.8255% | 3,302 |
| Pretax return on assets | 0.8706% | 3,950 |
| Return on Equity (ROE) | 6.6710% | 3,698 |
| Retained earnings to average equity (ytd only) | 3.4360% | 3,612 |
| Net charge-offs to loans | -0.3797% | 6,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8542% | 1,695 |
| Assets per employee ($millions) | 3.2594% | 5,209 |
| Cash dividends to net income (ytd only)* | 48.4941% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 1,923 |
| Loan loss allowance to noncurrent loans | 382.3779% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 4,685 |
| Noncurrent loans to loans | 0.3966% | 4,035 |
| Net loans and leases to total assets | 48.4865% | 4,974 |
| Net loans and leases to deposits | 56.9648% | 4,983 |
| Net loans and leases to core deposits | 59.0019% | 5,042 |
| Total domestic deposits to total assets | 85.1166% | 3,035 |
| Equity capital to assets | 12.2208% | 1,801 |
| Core capital (leverage) ratio | 9.6597% | 3,961 |
| Tier 1 risk-based capital ratio | 13.0285% | 4,288 |
| Total risk-based capital ratio | 14.0912% | 4,325 |
| Memoranda: | ||
| Average total assets | $237,314,800 | 2,603 |
| Average earning assets | $218,250,200 | 2,603 |
| Average equity | $29,365,800 | 2,361 |
| Average total loans | $108,233,800 | 3,233 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7677% | 4,188 |
| Cost of funding earning assets | 0.2361% | 5,028 |
| Net interest margin | 3.5316% | 3,425 |
| Noninterest income to average assets | 0.7193% | 2,153 |
| Noninterest expense to average assets | 3.1304% | 2,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8245% | 3,305 |
| Return on assets (ROA) | 0.9229% | 2,935 |
| Pretax return on assets | 0.9461% | 3,829 |
| Return on Equity (ROE) | 7.4349% | 3,381 |
| Retained earnings to average equity (ytd only) | 5.3899% | 2,651 |
| Net charge-offs to loans | -0.5732% | 6,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2350% | 1,915 |
| Assets per employee ($millions) | 3.2025% | 5,281 |
| Cash dividends to net income (ytd only)* | 27.5063% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 1,707 |
| Loan loss allowance to noncurrent loans | 302.2951% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 4,560 |
| Noncurrent loans to loans | 0.5370% | 3,736 |
| Net loans and leases to total assets | 47.7997% | 5,097 |
| Net loans and leases to deposits | 58.0781% | 4,999 |
| Net loans and leases to core deposits | 61.1538% | 4,992 |
| Total domestic deposits to total assets | 82.3023% | 4,069 |
| Equity capital to assets | 12.7970% | 1,568 |
| Core capital (leverage) ratio | 9.8266% | 3,869 |
| Tier 1 risk-based capital ratio | 13.4547% | 4,167 |
| Total risk-based capital ratio | 14.5696% | 4,168 |
| Memoranda: | ||
| Average total assets | $236,344,750 | 2,624 |
| Average earning assets | $217,952,500 | 2,623 |
| Average equity | $29,338,250 | 2,377 |
| Average total loans | $105,605,250 | 3,310 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6840% | 4,454 |
| Cost of funding earning assets | 0.2346% | 5,101 |
| Net interest margin | 3.4494% | 3,710 |
| Noninterest income to average assets | 0.6948% | 2,234 |
| Noninterest expense to average assets | 3.1678% | 2,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6942% | 3,915 |
| Return on assets (ROA) | 0.8398% | 3,278 |
| Pretax return on assets | 0.8626% | 4,089 |
| Return on Equity (ROE) | 6.8347% | 3,712 |
| Retained earnings to average equity (ytd only) | 5.8054% | 2,358 |
| Net charge-offs to loans | -0.8548% | 6,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1386% | 1,602 |
| Assets per employee ($millions) | 3.0921% | 5,482 |
| Cash dividends to net income (ytd only)* | 15.0602% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6781% | 1,667 |
| Loan loss allowance to noncurrent loans | 337.0166% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 4,923 |
| Noncurrent loans to loans | 0.4979% | 3,973 |
| Net loans and leases to total assets | 45.0331% | 5,316 |
| Net loans and leases to deposits | 52.8674% | 5,325 |
| Net loans and leases to core deposits | 55.7227% | 5,329 |
| Total domestic deposits to total assets | 85.1811% | 3,044 |
| Equity capital to assets | 12.0969% | 1,952 |
| Core capital (leverage) ratio | 9.4832% | 4,305 |
| Tier 1 risk-based capital ratio | 13.3402% | 4,321 |
| Total risk-based capital ratio | 14.4568% | 4,319 |
| Memoranda: | ||
| Average total assets | $237,199,000 | 2,636 |
| Average earning assets | $219,053,000 | 2,627 |
| Average equity | $29,145,330 | 2,408 |
| Average total loans | $102,943,330 | 3,380 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5914% | 4,714 |
| Cost of funding earning assets | 0.2316% | 5,196 |
| Net interest margin | 3.3598% | 3,990 |
| Noninterest income to average assets | 0.6724% | 2,292 |
| Noninterest expense to average assets | 3.1645% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6116% | 4,236 |
| Return on assets (ROA) | 0.6116% | 4,326 |
| Pretax return on assets | 0.6201% | 4,855 |
| Return on Equity (ROE) | 4.9391% | 4,560 |
| Retained earnings to average equity (ytd only) | 4.9391% | 3,086 |
| Net charge-offs to loans | -2.0863% | 6,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0804% | 1,481 |
| Assets per employee ($millions) | 3.1203% | 5,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9138% | 1,255 |
| Loan loss allowance to noncurrent loans | 294.9074% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 4,821 |
| Noncurrent loans to loans | 0.6490% | 3,655 |
| Net loans and leases to total assets | 41.3011% | 5,527 |
| Net loans and leases to deposits | 48.7778% | 5,528 |
| Net loans and leases to core deposits | 51.4385% | 5,523 |
| Total domestic deposits to total assets | 84.6719% | 3,549 |
| Equity capital to assets | 12.6048% | 1,628 |
| Core capital (leverage) ratio | 9.4364% | 4,371 |
| Tier 1 risk-based capital ratio | 13.4590% | 4,343 |
| Total risk-based capital ratio | 14.6623% | 4,287 |
| Memoranda: | ||
| Average total assets | $236,751,500 | 2,660 |
| Average earning assets | $219,300,000 | 2,649 |
| Average equity | $29,317,000 | 2,408 |
| Average total loans | $99,889,500 | 3,451 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7056% | 4,765 |
| Cost of funding earning assets | 0.2614% | 5,209 |
| Net interest margin | 3.4442% | 4,006 |
| Noninterest income to average assets | 0.7804% | 1,951 |
| Noninterest expense to average assets | 3.3681% | 1,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5729% | 4,493 |
| Return on assets (ROA) | 0.5747% | 4,569 |
| Pretax return on assets | 0.5747% | 5,020 |
| Return on Equity (ROE) | 4.8529% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.8529% | 2,716 |
| Net charge-offs to loans | -0.0132% | 5,617 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9400% | 1,294 |
| Assets per employee ($millions) | 3.1515% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 2,989 |
| Loan loss allowance to noncurrent loans | 211.5677% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 4,840 |
| Noncurrent loans to loans | 0.6575% | 3,713 |
| Net loans and leases to total assets | 41.6887% | 5,645 |
| Net loans and leases to deposits | 48.9593% | 5,636 |
| Net loans and leases to core deposits | 51.4333% | 5,639 |
| Total domestic deposits to total assets | 85.1496% | 3,231 |
| Equity capital to assets | 12.1605% | 1,894 |
| Core capital (leverage) ratio | 9.3760% | 4,425 |
| Tier 1 risk-based capital ratio | 13.4624% | 4,437 |
| Total risk-based capital ratio | 14.3543% | 4,577 |
| Memoranda: | ||
| Average total assets | $228,467,200 | 2,713 |
| Average earning assets | $209,656,800 | 2,714 |
| Average equity | $27,056,200 | 2,486 |
| Average total loans | $91,226,800 | 3,608 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6946% | 4,878 |
| Cost of funding earning assets | 0.2667% | 5,240 |
| Net interest margin | 3.4279% | 4,114 |
| Noninterest income to average assets | 0.7906% | 1,930 |
| Noninterest expense to average assets | 3.3466% | 1,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5775% | 4,551 |
| Return on assets (ROA) | 0.5793% | 4,625 |
| Pretax return on assets | 0.5851% | 5,068 |
| Return on Equity (ROE) | 4.9258% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.9258% | 3,132 |
| Net charge-offs to loans | -0.0060% | 5,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6315% | 1,317 |
| Assets per employee ($millions) | 2.7689% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 2,993 |
| Loan loss allowance to noncurrent loans | 180.6536% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 4,913 |
| Noncurrent loans to loans | 0.7973% | 3,591 |
| Net loans and leases to total assets | 40.6569% | 5,777 |
| Net loans and leases to deposits | 50.2631% | 5,635 |
| Net loans and leases to core deposits | 53.2150% | 5,618 |
| Total domestic deposits to total assets | 80.8881% | 4,850 |
| Equity capital to assets | 12.0217% | 2,037 |
| Core capital (leverage) ratio | 9.3971% | 4,520 |
| Tier 1 risk-based capital ratio | 13.5440% | 4,511 |
| Total risk-based capital ratio | 14.4509% | 4,663 |
| Memoranda: | ||
| Average total assets | $226,493,000 | 2,746 |
| Average earning assets | $207,431,000 | 2,751 |
| Average equity | $26,634,500 | 2,525 |
| Average total loans | $89,051,750 | 3,682 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6507% | 5,007 |
| Cost of funding earning assets | 0.2708% | 5,281 |
| Net interest margin | 3.3799% | 4,259 |
| Noninterest income to average assets | 0.7984% | 1,846 |
| Noninterest expense to average assets | 3.3716% | 1,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5132% | 4,753 |
| Return on assets (ROA) | 0.5132% | 4,847 |
| Pretax return on assets | 0.5186% | 5,230 |
| Return on Equity (ROE) | 4.3982% | 4,974 |
| Retained earnings to average equity (ytd only) | 4.3982% | 3,379 |
| Net charge-offs to loans | 0.0507% | 3,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 26.4545% | 1,370 |
| Efficiency ratio | 86.1429% | 1,260 |
| Assets per employee ($millions) | 2.7860% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 2,744 |
| Loan loss allowance to noncurrent loans | 202.6906% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 5,134 |
| Noncurrent loans to loans | 0.7568% | 3,811 |
| Net loans and leases to total assets | 38.5684% | 5,920 |
| Net loans and leases to deposits | 45.5293% | 5,906 |
| Net loans and leases to core deposits | 47.8664% | 5,907 |
| Total domestic deposits to total assets | 84.7112% | 3,634 |
| Equity capital to assets | 12.1700% | 1,870 |
| Core capital (leverage) ratio | 9.3027% | 4,586 |
| Tier 1 risk-based capital ratio | 13.8518% | 4,349 |
| Total risk-based capital ratio | 14.7809% | 4,504 |
| Memoranda: | ||
| Average total assets | $224,461,330 | 2,778 |
| Average earning assets | $205,332,000 | 2,781 |
| Average equity | $26,192,330 | 2,549 |
| Average total loans | $86,754,000 | 3,753 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 5,128 |
| Cost of funding earning assets | 0.2759% | 5,325 |
| Net interest margin | 3.3398% | 4,372 |
| Noninterest income to average assets | 0.7916% | 1,790 |
| Noninterest expense to average assets | 3.3754% | 1,766 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4610% | 4,891 |
| Return on assets (ROA) | 0.4610% | 4,962 |
| Pretax return on assets | 0.4664% | 5,264 |
| Return on Equity (ROE) | 4.0381% | 5,014 |
| Retained earnings to average equity (ytd only) | 4.0381% | 3,693 |
| Net charge-offs to loans | 0.1303% | 1,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 9.3214% | 1,945 |
| Efficiency ratio | 87.3023% | 1,306 |
| Assets per employee ($millions) | 2.9687% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5947% | 2,728 |
| Loan loss allowance to noncurrent loans | 219.5122% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 5,277 |
| Noncurrent loans to loans | 0.7265% | 4,048 |
| Net loans and leases to total assets | 37.4145% | 5,989 |
| Net loans and leases to deposits | 43.7983% | 5,986 |
| Net loans and leases to core deposits | 46.0581% | 5,985 |
| Total domestic deposits to total assets | 85.4246% | 3,658 |
| Equity capital to assets | 11.7234% | 2,083 |
| Core capital (leverage) ratio | 9.1237% | 4,830 |
| Tier 1 risk-based capital ratio | 13.9405% | 4,365 |
| Total risk-based capital ratio | 14.8902% | 4,541 |
| Memoranda: | ||
| Average total assets | $223,857,500 | 2,790 |
| Average earning assets | $204,443,000 | 2,805 |
| Average equity | $25,556,500 | 2,590 |
| Average total loans | $85,934,500 | 3,796 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5195% | 5,604 |
| Cost of funding earning assets | 0.3038% | 5,561 |
| Net interest margin | 3.2156% | 4,947 |
| Noninterest income to average assets | 0.8963% | 1,688 |
| Noninterest expense to average assets | 3.0799% | 2,801 |
| Loan and lease loss provision to assets | 0.0018% | 5,075 |
| Net operating income to assets | 0.6885% | 3,851 |
| Return on assets (ROA) | 0.7056% | 3,857 |
| Pretax return on assets | 0.7446% | 4,360 |
| Return on Equity (ROE) | 6.0371% | 4,060 |
| Retained earnings to average equity (ytd only) | 2.7843% | 4,262 |
| Net charge-offs to loans | -0.2164% | 6,625 |
| Credit loss provision to net charge-offs | -2.3392% | 5,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3182% | 2,102 |
| Assets per employee ($millions) | 3.3098% | 5,269 |
| Cash dividends to net income (ytd only)* | 53.8804% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 2,841 |
| Loan loss allowance to noncurrent loans | 235.9589% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.2781% | 5,424 |
| Noncurrent loans to loans | 0.6696% | 4,302 |
| Net loans and leases to total assets | 38.1390% | 6,082 |
| Net loans and leases to deposits | 44.5326% | 6,095 |
| Net loans and leases to core deposits | 47.3646% | 6,072 |
| Total domestic deposits to total assets | 85.6429% | 3,432 |
| Equity capital to assets | 11.1127% | 2,512 |
| Core capital (leverage) ratio | 9.0154% | 4,977 |
| Tier 1 risk-based capital ratio | 13.5732% | 4,596 |
| Total risk-based capital ratio | 14.5300% | 4,740 |
| Memoranda: | ||
| Average total assets | $222,798,400 | 2,783 |
| Average earning assets | $201,763,800 | 2,808 |
| Average equity | $26,038,800 | 2,539 |
| Average total loans | $79,005,600 | 3,969 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4824% | 5,729 |
| Cost of funding earning assets | 0.3101% | 5,643 |
| Net interest margin | 3.1723% | 5,080 |
| Noninterest income to average assets | 0.8891% | 1,793 |
| Noninterest expense to average assets | 3.0148% | 2,941 |
| Loan and lease loss provision to assets | 0.0024% | 4,912 |
| Net operating income to assets | 0.6844% | 3,932 |
| Return on assets (ROA) | 0.7062% | 3,959 |
| Pretax return on assets | 0.7613% | 4,452 |
| Return on Equity (ROE) | 5.9678% | 4,209 |
| Retained earnings to average equity (ytd only) | 1.6732% | 5,306 |
| Net charge-offs to loans | -0.1299% | 6,567 |
| Credit loss provision to net charge-offs | -5.3333% | 5,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7252% | 2,144 |
| Assets per employee ($millions) | 3.3010% | 5,283 |
| Cash dividends to net income (ytd only)* | 71.9631% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5861% | 3,066 |
| Loan loss allowance to noncurrent loans | 462.8159% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 6,039 |
| Noncurrent loans to loans | 0.3427% | 5,359 |
| Net loans and leases to total assets | 35.9655% | 6,282 |
| Net loans and leases to deposits | 41.9632% | 6,306 |
| Net loans and leases to core deposits | 44.4828% | 6,280 |
| Total domestic deposits to total assets | 85.7074% | 3,400 |
| Equity capital to assets | 11.3225% | 2,453 |
| Core capital (leverage) ratio | 9.0577% | 5,032 |
| Tier 1 risk-based capital ratio | 13.7365% | 4,608 |
| Total risk-based capital ratio | 14.6565% | 4,772 |
| Memoranda: | ||
| Average total assets | $222,231,500 | 2,812 |
| Average earning assets | $200,775,750 | 2,845 |
| Average equity | $26,295,750 | 2,552 |
| Average total loans | $76,953,000 | 4,059 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4928% | 5,714 |
| Cost of funding earning assets | 0.3145% | 5,721 |
| Net interest margin | 3.1783% | 5,015 |
| Noninterest income to average assets | 0.8788% | 1,895 |
| Noninterest expense to average assets | 2.9786% | 3,064 |
| Loan and lease loss provision to assets | 0.0018% | 4,759 |
| Net operating income to assets | 0.7038% | 3,786 |
| Return on assets (ROA) | 0.7071% | 3,943 |
| Pretax return on assets | 0.7709% | 4,425 |
| Return on Equity (ROE) | 5.8921% | 4,232 |
| Retained earnings to average equity (ytd only) | 1.1679% | 5,433 |
| Net charge-offs to loans | -0.0978% | 6,500 |
| Credit loss provision to net charge-offs | -5.4054% | 5,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9259% | 2,314 |
| Assets per employee ($millions) | 3.2913% | 5,285 |
| Cash dividends to net income (ytd only)* | 80.1779% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 3,167 |
| Loan loss allowance to noncurrent loans | 453.2847% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 6,076 |
| Noncurrent loans to loans | 0.3527% | 5,402 |
| Net loans and leases to total assets | 35.1911% | 6,353 |
| Net loans and leases to deposits | 41.1213% | 6,362 |
| Net loans and leases to core deposits | 43.6415% | 6,347 |
| Total domestic deposits to total assets | 85.5787% | 3,594 |
| Equity capital to assets | 11.3922% | 2,387 |
| Core capital (leverage) ratio | 8.7350% | 5,374 |
| Tier 1 risk-based capital ratio | 13.6176% | 4,700 |
| Total risk-based capital ratio | 14.5255% | 4,880 |
| Memoranda: | ||
| Average total assets | $222,585,330 | 2,813 |
| Average earning assets | $200,926,670 | 2,859 |
| Average equity | $26,713,670 | 2,515 |
| Average total loans | $75,661,670 | 4,115 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4646% | 5,798 |
| Cost of funding earning assets | 0.3178% | 5,824 |
| Net interest margin | 3.1468% | 5,109 |
| Noninterest income to average assets | 0.8559% | 1,910 |
| Noninterest expense to average assets | 2.8695% | 3,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7288% | 3,547 |
| Return on assets (ROA) | 0.7351% | 3,647 |
| Pretax return on assets | 0.8239% | 4,067 |
| Return on Equity (ROE) | 5.9790% | 4,060 |
| Retained earnings to average equity (ytd only) | -0.0144% | 5,776 |
| Net charge-offs to loans | -0.0857% | 6,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2640% | 2,723 |
| Assets per employee ($millions) | 3.6843% | 4,596 |
| Cash dividends to net income (ytd only)* | 100.2415% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 3,280 |
| Loan loss allowance to noncurrent loans | 410.4377% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 6,140 |
| Noncurrent loans to loans | 0.3968% | 5,424 |
| Net loans and leases to total assets | 32.7622% | 6,478 |
| Net loans and leases to deposits | 38.5972% | 6,480 |
| Net loans and leases to core deposits | 41.0513% | 6,435 |
| Total domestic deposits to total assets | 84.8822% | 4,101 |
| Equity capital to assets | 12.2368% | 1,875 |
| Core capital (leverage) ratio | 8.5934% | 5,452 |
| Tier 1 risk-based capital ratio | 13.6912% | 4,728 |
| Total risk-based capital ratio | 14.5953% | 4,928 |
| Memoranda: | ||
| Average total assets | $225,264,000 | 2,819 |
| Average earning assets | $202,620,000 | 2,872 |
| Average equity | $27,697,000 | 2,470 |
| Average total loans | $74,649,000 | 4,180 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9277% | 5,498 |
| Cost of funding earning assets | 0.4997% | 5,222 |
| Net interest margin | 3.4280% | 4,786 |
| Noninterest income to average assets | 1.0205% | 1,475 |
| Noninterest expense to average assets | 3.0668% | 3,020 |
| Loan and lease loss provision to assets | 0.0624% | 4,989 |
| Net operating income to assets | 0.9484% | 2,559 |
| Return on assets (ROA) | 0.9828% | 2,637 |
| Pretax return on assets | 1.0173% | 3,485 |
| Return on Equity (ROE) | 7.9694% | 3,098 |
| Retained earnings to average equity (ytd only) | 5.4621% | 2,406 |
| Net charge-offs to loans | -0.0768% | 6,783 |
| Credit loss provision to net charge-offs | -243.8596% | 6,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0858% | 3,055 |
| Assets per employee ($millions) | 3.5279% | 4,959 |
| Cash dividends to net income (ytd only)* | 31.4612% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 3,238 |
| Loan loss allowance to noncurrent loans | 385.5769% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 6,162 |
| Noncurrent loans to loans | 0.4191% | 5,441 |
| Net loans and leases to total assets | 32.4403% | 6,608 |
| Net loans and leases to deposits | 38.2628% | 6,627 |
| Net loans and leases to core deposits | 40.1936% | 6,610 |
| Total domestic deposits to total assets | 84.7830% | 3,950 |
| Equity capital to assets | 12.3537% | 1,821 |
| Core capital (leverage) ratio | 8.8098% | 5,165 |
| Tier 1 risk-based capital ratio | 13.0095% | 5,101 |
| Total risk-based capital ratio | 13.8628% | 5,339 |
| Memoranda: | ||
| Average total assets | $222,838,400 | 2,812 |
| Average earning assets | $200,907,000 | 2,836 |
| Average equity | $27,480,200 | 2,451 |
| Average total loans | $74,263,600 | 4,199 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0479% | 5,366 |
| Cost of funding earning assets | 0.5559% | 5,039 |
| Net interest margin | 3.4921% | 4,682 |
| Noninterest income to average assets | 1.0559% | 1,355 |
| Noninterest expense to average assets | 3.0538% | 3,043 |
| Loan and lease loss provision to assets | 0.0798% | 4,636 |
| Net operating income to assets | 1.0356% | 2,339 |
| Return on assets (ROA) | 1.0812% | 2,364 |
| Pretax return on assets | 1.1226% | 3,265 |
| Return on Equity (ROE) | 8.7711% | 2,914 |
| Retained earnings to average equity (ytd only) | 6.2241% | 2,547 |
| Net charge-offs to loans | -0.1832% | 6,971 |
| Credit loss provision to net charge-offs | -130.3922% | 6,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0582% | 3,317 |
| Assets per employee ($millions) | 3.3053% | 5,434 |
| Cash dividends to net income (ytd only)* | 29.0396% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 3,294 |
| Loan loss allowance to noncurrent loans | 477.6923% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 6,359 |
| Noncurrent loans to loans | 0.3473% | 5,782 |
| Net loans and leases to total assets | 34.2686% | 6,645 |
| Net loans and leases to deposits | 41.8563% | 6,601 |
| Net loans and leases to core deposits | 43.8878% | 6,601 |
| Total domestic deposits to total assets | 81.8720% | 5,066 |
| Equity capital to assets | 13.2682% | 1,462 |
| Core capital (leverage) ratio | 8.6656% | 5,528 |
| Tier 1 risk-based capital ratio | 13.1145% | 5,158 |
| Total risk-based capital ratio | 14.0141% | 5,393 |
| Memoranda: | ||
| Average total assets | $222,101,250 | 2,837 |
| Average earning assets | $200,526,250 | 2,859 |
| Average equity | $27,377,000 | 2,472 |
| Average total loans | $74,217,250 | 4,253 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9884% | 5,678 |
| Cost of funding earning assets | 0.6068% | 4,846 |
| Net interest margin | 3.3816% | 5,154 |
| Noninterest income to average assets | 1.1438% | 1,087 |
| Noninterest expense to average assets | 3.0411% | 3,123 |
| Loan and lease loss provision to assets | 0.1185% | 4,048 |
| Net operating income to assets | 0.9955% | 2,487 |
| Return on assets (ROA) | 1.0547% | 2,454 |
| Pretax return on assets | 1.1046% | 3,289 |
| Return on Equity (ROE) | 8.7702% | 2,910 |
| Retained earnings to average equity (ytd only) | 6.1258% | 2,632 |
| Net charge-offs to loans | 0.0135% | 5,250 |
| Credit loss provision to net charge-offs | 2,660.0000% | 114 |
| Earnings coverage of net charge-offs (x) | 260.6000% | 165 |
| Efficiency ratio | 71.8889% | 3,448 |
| Assets per employee ($millions) | 3.5902% | 4,768 |
| Cash dividends to net income (ytd only)* | 30.1520% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 3,736 |
| Loan loss allowance to noncurrent loans | 368.5065% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 6,390 |
| Noncurrent loans to loans | 0.4238% | 5,687 |
| Net loans and leases to total assets | 32.1373% | 6,799 |
| Net loans and leases to deposits | 39.7001% | 6,741 |
| Net loans and leases to core deposits | 41.6391% | 6,749 |
| Total domestic deposits to total assets | 80.9502% | 5,484 |
| Equity capital to assets | 12.3943% | 1,882 |
| Core capital (leverage) ratio | 8.3487% | 5,851 |
| Tier 1 risk-based capital ratio | 11.4509% | 6,247 |
| Total risk-based capital ratio | 12.1876% | 6,507 |
| Memoranda: | ||
| Average total assets | $224,520,330 | 2,819 |
| Average earning assets | $203,041,000 | 2,845 |
| Average equity | $27,000,670 | 2,485 |
| Average total loans | $74,001,000 | 4,278 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 5,718 |
| Cost of funding earning assets | 0.6580% | 4,656 |
| Net interest margin | 3.3545% | 5,292 |
| Noninterest income to average assets | 1.3677% | 771 |
| Noninterest expense to average assets | 3.0814% | 2,979 |
| Loan and lease loss provision to assets | 0.2271% | 2,676 |
| Net operating income to assets | 1.0264% | 2,377 |
| Return on assets (ROA) | 1.0981% | 2,286 |
| Pretax return on assets | 1.1744% | 3,012 |
| Return on Equity (ROE) | 9.2712% | 2,697 |
| Retained earnings to average equity (ytd only) | 6.3954% | 2,742 |
| Net charge-offs to loans | 0.0429% | 4,090 |
| Credit loss provision to net charge-offs | 1,600.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 93.3750% | 366 |
| Efficiency ratio | 69.4444% | 3,908 |
| Assets per employee ($millions) | 3.6146% | 4,844 |
| Cash dividends to net income (ytd only)* | 31.0178% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 4,007 |
| Loan loss allowance to noncurrent loans | 302.1448% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 6,068 |
| Noncurrent loans to loans | 0.5081% | 5,653 |
| Net loans and leases to total assets | 32.2515% | 6,822 |
| Net loans and leases to deposits | 40.0580% | 6,731 |
| Net loans and leases to core deposits | 42.3798% | 6,730 |
| Total domestic deposits to total assets | 80.5122% | 5,719 |
| Equity capital to assets | 12.0118% | 2,030 |
| Core capital (leverage) ratio | 7.8863% | 6,344 |
| Tier 1 risk-based capital ratio | 11.2664% | 6,409 |
| Total risk-based capital ratio | 12.0081% | 6,628 |
| Memoranda: | ||
| Average total assets | $225,483,000 | 2,825 |
| Average earning assets | $204,260,000 | 2,844 |
| Average equity | $26,706,500 | 2,501 |
| Average total loans | $74,666,000 | 4,283 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2591% | 5,890 |
| Cost of funding earning assets | 0.8045% | 4,833 |
| Net interest margin | 3.4546% | 5,307 |
| Noninterest income to average assets | 0.7743% | 2,208 |
| Noninterest expense to average assets | 3.1080% | 3,168 |
| Loan and lease loss provision to assets | 0.0786% | 5,629 |
| Net operating income to assets | 0.7141% | 3,421 |
| Return on assets (ROA) | 0.7318% | 3,505 |
| Pretax return on assets | 0.7400% | 4,192 |
| Return on Equity (ROE) | 6.4046% | 3,693 |
| Retained earnings to average equity (ytd only) | 4.1644% | 3,213 |
| Net charge-offs to loans | 0.4385% | 3,246 |
| Credit loss provision to net charge-offs | 54.9521% | 5,303 |
| Earnings coverage of net charge-offs (x) | 5.5974% | 2,742 |
| Efficiency ratio | 78.9640% | 2,457 |
| Assets per employee ($millions) | 3.7810% | 4,364 |
| Cash dividends to net income (ytd only)* | 34.9781% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 4,773 |
| Loan loss allowance to noncurrent loans | 251.7500% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 5,702 |
| Noncurrent loans to loans | 0.5268% | 5,661 |
| Net loans and leases to total assets | 33.0249% | 6,909 |
| Net loans and leases to deposits | 40.8940% | 6,835 |
| Net loans and leases to core deposits | 43.0647% | 6,851 |
| Total domestic deposits to total assets | 80.7575% | 5,525 |
| Equity capital to assets | 11.6785% | 2,354 |
| Core capital (leverage) ratio | 7.8962% | 6,363 |
| Tier 1 risk-based capital ratio | 11.0735% | 6,416 |
| Total risk-based capital ratio | 11.7421% | 6,668 |
| Memoranda: | ||
| Average total assets | $218,789,800 | 2,850 |
| Average earning assets | $198,515,200 | 2,874 |
| Average equity | $24,997,600 | 2,581 |
| Average total loans | $71,379,600 | 4,436 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 5,789 |
| Cost of funding earning assets | 0.8491% | 4,778 |
| Net interest margin | 3.4978% | 5,201 |
| Noninterest income to average assets | 0.7178% | 2,489 |
| Noninterest expense to average assets | 3.1522% | 2,986 |
| Loan and lease loss provision to assets | 0.1033% | 5,150 |
| Net operating income to assets | 0.6290% | 3,971 |
| Return on assets (ROA) | 0.6483% | 4,054 |
| Pretax return on assets | 0.6594% | 4,613 |
| Return on Equity (ROE) | 5.7071% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.2739% | 3,009 |
| Net charge-offs to loans | 0.0759% | 5,204 |
| Credit loss provision to net charge-offs | 420.0000% | 673 |
| Earnings coverage of net charge-offs (x) | 30.2012% | 932 |
| Efficiency ratio | 80.3727% | 2,202 |
| Assets per employee ($millions) | 3.3663% | 5,327 |
| Cash dividends to net income (ytd only)* | 7.5898% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8554% | 2,766 |
| Loan loss allowance to noncurrent loans | 190.7324% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.6582% | 5,494 |
| Noncurrent loans to loans | 0.9728% | 4,945 |
| Net loans and leases to total assets | 31.3297% | 7,044 |
| Net loans and leases to deposits | 39.4895% | 6,991 |
| Net loans and leases to core deposits | 41.7434% | 6,990 |
| Total domestic deposits to total assets | 79.3368% | 5,904 |
| Equity capital to assets | 12.5343% | 1,901 |
| Core capital (leverage) ratio | 8.0089% | 6,391 |
| Tier 1 risk-based capital ratio | 11.7615% | 6,061 |
| Total risk-based capital ratio | 12.6655% | 6,286 |
| Memoranda: | ||
| Average total assets | $216,771,750 | 2,881 |
| Average earning assets | $196,921,000 | 2,903 |
| Average equity | $24,623,500 | 2,620 |
| Average total loans | $70,242,500 | 4,519 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4067% | 5,665 |
| Cost of funding earning assets | 0.8828% | 4,810 |
| Net interest margin | 3.5239% | 5,054 |
| Noninterest income to average assets | 0.6123% | 3,052 |
| Noninterest expense to average assets | 3.2060% | 2,875 |
| Loan and lease loss provision to assets | 0.0129% | 6,117 |
| Net operating income to assets | 0.5862% | 4,127 |
| Return on assets (ROA) | 0.6059% | 4,169 |
| Pretax return on assets | 0.6224% | 4,664 |
| Return on Equity (ROE) | 5.5225% | 4,203 |
| Retained earnings to average equity (ytd only) | 4.8510% | 3,087 |
| Net charge-offs to loans | 0.1527% | 4,267 |
| Credit loss provision to net charge-offs | 25.9259% | 5,046 |
| Earnings coverage of net charge-offs (x) | 12.3704% | 1,632 |
| Efficiency ratio | 83.3494% | 1,906 |
| Assets per employee ($millions) | 3.3867% | 5,236 |
| Cash dividends to net income (ytd only)* | 12.1581% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6142% | 3,641 |
| Loan loss allowance to noncurrent loans | 104.8250% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6432% | 5,626 |
| Noncurrent loans to loans | 1.5399% | 4,097 |
| Net loans and leases to total assets | 30.6783% | 7,156 |
| Net loans and leases to deposits | 38.9306% | 7,098 |
| Net loans and leases to core deposits | 41.1178% | 7,099 |
| Total domestic deposits to total assets | 78.8026% | 6,130 |
| Equity capital to assets | 11.5774% | 2,431 |
| Core capital (leverage) ratio | 7.8107% | 6,500 |
| Tier 1 risk-based capital ratio | 11.6506% | 6,050 |
| Total risk-based capital ratio | 12.4478% | 6,373 |
| Memoranda: | ||
| Average total assets | $217,215,330 | 2,886 |
| Average earning assets | $197,790,670 | 2,900 |
| Average equity | $23,830,000 | 2,671 |
| Average total loans | $70,732,330 | 4,548 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 5,839 |
| Cost of funding earning assets | 0.9037% | 4,890 |
| Net interest margin | 3.4497% | 5,225 |
| Noninterest income to average assets | 0.3967% | 4,727 |
| Noninterest expense to average assets | 3.3390% | 2,446 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1647% | 5,902 |
| Return on assets (ROA) | 0.1947% | 5,859 |
| Pretax return on assets | 0.2280% | 5,880 |
| Return on Equity (ROE) | 1.8259% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.8259% | 5,017 |
| Net charge-offs to loans | -0.0279% | 6,685 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9108% | 1,040 |
| Assets per employee ($millions) | 3.2628% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 3,522 |
| Loan loss allowance to noncurrent loans | 53.9794% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 1.1586% | 4,623 |
| Noncurrent loans to loans | 3.0581% | 2,457 |
| Net loans and leases to total assets | 31.8997% | 7,172 |
| Net loans and leases to deposits | 40.2072% | 7,093 |
| Net loans and leases to core deposits | 42.2496% | 7,103 |
| Total domestic deposits to total assets | 79.3382% | 6,107 |
| Equity capital to assets | 10.8756% | 2,802 |
| Core capital (leverage) ratio | 7.5727% | 6,682 |
| Tier 1 risk-based capital ratio | 11.5418% | 6,068 |
| Total risk-based capital ratio | 12.3890% | 6,374 |
| Memoranda: | ||
| Average total assets | $215,755,000 | 2,926 |
| Average earning assets | $196,075,500 | 2,931 |
| Average equity | $23,002,000 | 2,746 |
| Average total loans | $71,777,500 | 4,550 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 6,056 |
| Cost of funding earning assets | 1.0740% | 5,294 |
| Net interest margin | 3.5460% | 5,053 |
| Noninterest income to average assets | 0.8440% | 2,084 |
| Noninterest expense to average assets | 3.3168% | 2,680 |
| Loan and lease loss provision to assets | 0.3092% | 4,327 |
| Net operating income to assets | 0.4191% | 4,468 |
| Return on assets (ROA) | 0.7341% | 3,204 |
| Pretax return on assets | 0.7341% | 3,854 |
| Return on Equity (ROE) | 6.5561% | 3,318 |
| Retained earnings to average equity (ytd only) | 4.5166% | 2,712 |
| Net charge-offs to loans | 0.9554% | 2,268 |
| Credit loss provision to net charge-offs | 87.9567% | 5,208 |
| Earnings coverage of net charge-offs (x) | 2.0717% | 4,170 |
| Efficiency ratio | 81.4418% | 2,230 |
| Assets per employee ($millions) | 3.1328% | 5,812 |
| Cash dividends to net income (ytd only)* | 31.1082% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 3,746 |
| Loan loss allowance to noncurrent loans | 49.7400% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 1.3013% | 4,433 |
| Noncurrent loans to loans | 3.1313% | 2,435 |
| Net loans and leases to total assets | 33.5668% | 7,242 |
| Net loans and leases to deposits | 42.0923% | 7,179 |
| Net loans and leases to core deposits | 44.1430% | 7,199 |
| Total domestic deposits to total assets | 79.7457% | 5,901 |
| Equity capital to assets | 10.4475% | 3,218 |
| Core capital (leverage) ratio | 7.5612% | 6,652 |
| Tier 1 risk-based capital ratio | 11.5004% | 5,911 |
| Total risk-based capital ratio | 12.3472% | 6,225 |
| Memoranda: | ||
| Average total assets | $210,199,600 | 2,978 |
| Average earning assets | $189,762,400 | 3,013 |
| Average equity | $23,535,400 | 2,700 |
| Average total loans | $77,346,800 | 4,411 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 5,892 |
| Cost of funding earning assets | 1.1032% | 5,399 |
| Net interest margin | 3.6348% | 4,705 |
| Noninterest income to average assets | 0.8426% | 2,024 |
| Noninterest expense to average assets | 3.3577% | 2,407 |
| Loan and lease loss provision to assets | 0.4152% | 3,414 |
| Net operating income to assets | 0.3469% | 4,987 |
| Return on assets (ROA) | 0.8445% | 2,957 |
| Pretax return on assets | 0.8445% | 3,756 |
| Return on Equity (ROE) | 7.4143% | 3,144 |
| Retained earnings to average equity (ytd only) | 7.4143% | 1,636 |
| Net charge-offs to loans | 1.2761% | 1,598 |
| Credit loss provision to net charge-offs | 86.7824% | 4,893 |
| Earnings coverage of net charge-offs (x) | 1.5928% | 4,523 |
| Efficiency ratio | 80.9583% | 2,217 |
| Assets per employee ($millions) | 2.9622% | 6,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 3,729 |
| Loan loss allowance to noncurrent loans | 73.8482% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9593% | 5,171 |
| Noncurrent loans to loans | 2.1012% | 3,568 |
| Net loans and leases to total assets | 33.8525% | 7,349 |
| Net loans and leases to deposits | 43.4088% | 7,254 |
| Net loans and leases to core deposits | 45.6022% | 7,272 |
| Total domestic deposits to total assets | 77.9854% | 6,264 |
| Equity capital to assets | 11.9593% | 2,181 |
| Core capital (leverage) ratio | 7.7763% | 6,596 |
| Tier 1 risk-based capital ratio | 12.0968% | 5,369 |
| Total risk-based capital ratio | 12.9660% | 5,686 |
| Memoranda: | ||
| Average total assets | $208,708,000 | 3,038 |
| Average earning assets | $188,175,000 | 3,068 |
| Average equity | $23,773,250 | 2,719 |
| Average total loans | $78,256,500 | 4,458 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8246% | 5,702 |
| Cost of funding earning assets | 1.1172% | 5,583 |
| Net interest margin | 3.7074% | 4,331 |
| Noninterest income to average assets | 0.8022% | 2,103 |
| Noninterest expense to average assets | 3.4037% | 2,256 |
| Loan and lease loss provision to assets | 0.6275% | 2,286 |
| Net operating income to assets | 0.1120% | 5,827 |
| Return on assets (ROA) | 0.8611% | 2,831 |
| Pretax return on assets | 0.8611% | 3,653 |
| Return on Equity (ROE) | 7.6912% | 3,019 |
| Retained earnings to average equity (ytd only) | 7.6912% | 1,556 |
| Net charge-offs to loans | 1.8850% | 982 |
| Credit loss provision to net charge-offs | 86.3214% | 4,539 |
| Earnings coverage of net charge-offs (x) | 1.0173% | 4,772 |
| Efficiency ratio | 81.6170% | 2,219 |
| Assets per employee ($millions) | 2.9118% | 6,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 4,065 |
| Loan loss allowance to noncurrent loans | 72.7856% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.9840% | 5,168 |
| Noncurrent loans to loans | 2.0207% | 3,692 |
| Net loans and leases to total assets | 36.2358% | 7,340 |
| Net loans and leases to deposits | 46.2940% | 7,237 |
| Net loans and leases to core deposits | 49.4152% | 7,234 |
| Total domestic deposits to total assets | 78.2734% | 6,204 |
| Equity capital to assets | 11.4684% | 2,471 |
| Core capital (leverage) ratio | 7.7037% | 6,602 |
| Tier 1 risk-based capital ratio | 11.9021% | 5,400 |
| Total risk-based capital ratio | 12.7788% | 5,714 |
| Memoranda: | ||
| Average total assets | $207,183,670 | 3,075 |
| Average earning assets | $186,709,670 | 3,108 |
| Average equity | $23,195,330 | 2,770 |
| Average total loans | $79,895,670 | 4,443 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8449% | 5,704 |
| Cost of funding earning assets | 1.1350% | 5,733 |
| Net interest margin | 3.7099% | 4,191 |
| Noninterest income to average assets | 0.7749% | 2,150 |
| Noninterest expense to average assets | 3.4357% | 2,138 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6720% | 3,562 |
| Return on assets (ROA) | 0.9128% | 2,564 |
| Pretax return on assets | 0.9128% | 3,422 |
| Return on Equity (ROE) | 8.2559% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.2559% | 1,603 |
| Net charge-offs to loans | 0.0246% | 5,235 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 69.2000% | 442 |
| Efficiency ratio | 83.0733% | 2,132 |
| Assets per employee ($millions) | 2.7639% | 6,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 3,670 |
| Loan loss allowance to noncurrent loans | 48.5996% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 1.4864% | 4,280 |
| Noncurrent loans to loans | 3.1846% | 2,508 |
| Net loans and leases to total assets | 38.3172% | 7,338 |
| Net loans and leases to deposits | 48.9999% | 7,183 |
| Net loans and leases to core deposits | 50.1713% | 7,275 |
| Total domestic deposits to total assets | 78.1985% | 6,268 |
| Equity capital to assets | 11.3149% | 2,490 |
| Core capital (leverage) ratio | 7.6092% | 6,727 |
| Tier 1 risk-based capital ratio | 11.7811% | 5,416 |
| Total risk-based capital ratio | 12.7513% | 5,651 |
| Memoranda: | ||
| Average total assets | $205,952,500 | 3,144 |
| Average earning assets | $185,020,500 | 3,187 |
| Average equity | $22,771,500 | 2,841 |
| Average total loans | $81,293,000 | 4,468 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8087% | 6,933 |
| Cost of funding earning assets | 1.3623% | 6,083 |
| Net interest margin | 3.4464% | 5,184 |
| Noninterest income to average assets | 0.9947% | 1,595 |
| Noninterest expense to average assets | 3.3833% | 2,732 |
| Loan and lease loss provision to assets | 1.1754% | 1,959 |
| Net operating income to assets | -0.4720% | 6,151 |
| Return on assets (ROA) | -0.1120% | 5,703 |
| Pretax return on assets | -0.0765% | 5,567 |
| Return on Equity (ROE) | -1.0705% | 5,698 |
| Retained earnings to average equity (ytd only) | -5.8063% | 6,122 |
| Net charge-offs to loans | 2.9161% | 734 |
| Credit loss provision to net charge-offs | 98.3038% | 5,665 |
| Earnings coverage of net charge-offs (x) | 0.6180% | 5,484 |
| Efficiency ratio | 81.5498% | 2,664 |
| Assets per employee ($millions) | 2.8408% | 6,580 |
| Cash dividends to net income (ytd only)* | -442.3868% | 7,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 3,779 |
| Loan loss allowance to noncurrent loans | 44.7988% | 5,416 |
| Noncurrent assets plus other real estate owned to assets | 1.5739% | 4,022 |
| Noncurrent loans to loans | 3.3247% | 2,292 |
| Net loans and leases to total assets | 39.4203% | 7,377 |
| Net loans and leases to deposits | 49.9636% | 7,262 |
| Net loans and leases to core deposits | 56.4795% | 7,389 |
| Total domestic deposits to total assets | 78.8980% | 6,007 |
| Equity capital to assets | 10.8020% | 2,864 |
| Core capital (leverage) ratio | 7.2725% | 7,009 |
| Tier 1 risk-based capital ratio | 11.2690% | 5,641 |
| Total risk-based capital ratio | 12.2308% | 5,905 |
| Memoranda: | ||
| Average total assets | $216,948,200 | 2,984 |
| Average earning assets | $196,871,800 | 3,012 |
| Average equity | $22,699,400 | 2,863 |
| Average total loans | $88,955,400 | 4,241 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 7,040 |
| Cost of funding earning assets | 1.4020% | 6,221 |
| Net interest margin | 3.4304% | 5,143 |
| Noninterest income to average assets | 0.9142% | 1,923 |
| Noninterest expense to average assets | 3.4381% | 2,454 |
| Loan and lease loss provision to assets | 0.3526% | 4,206 |
| Net operating income to assets | 0.2230% | 5,082 |
| Return on assets (ROA) | 0.3848% | 4,562 |
| Pretax return on assets | 0.4316% | 4,712 |
| Return on Equity (ROE) | 3.7059% | 4,495 |
| Retained earnings to average equity (ytd only) | -0.6850% | 5,401 |
| Net charge-offs to loans | 0.9552% | 2,069 |
| Credit loss provision to net charge-offs | 89.5062% | 5,495 |
| Earnings coverage of net charge-offs (x) | 1.5293% | 4,637 |
| Efficiency ratio | 84.7300% | 2,218 |
| Assets per employee ($millions) | 2.8304% | 6,590 |
| Cash dividends to net income (ytd only)* | 118.4839% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 3,924 |
| Loan loss allowance to noncurrent loans | 66.6118% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.1540% | 4,769 |
| Noncurrent loans to loans | 2.1062% | 3,500 |
| Net loans and leases to total assets | 40.7004% | 7,425 |
| Net loans and leases to deposits | 52.2033% | 7,293 |
| Net loans and leases to core deposits | 61.2552% | 7,353 |
| Total domestic deposits to total assets | 77.9651% | 6,101 |
| Equity capital to assets | 11.4901% | 2,594 |
| Core capital (leverage) ratio | 7.6714% | 6,767 |
| Tier 1 risk-based capital ratio | 11.8686% | 5,091 |
| Total risk-based capital ratio | 12.7880% | 5,348 |
| Memoranda: | ||
| Average total assets | $219,340,750 | 2,966 |
| Average earning assets | $199,895,500 | 2,986 |
| Average equity | $22,774,000 | 2,880 |
| Average total loans | $90,448,000 | 4,236 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7534% | 7,310 |
| Cost of funding earning assets | 1.4261% | 6,395 |
| Net interest margin | 3.3273% | 5,450 |
| Noninterest income to average assets | 0.9774% | 1,666 |
| Noninterest expense to average assets | 3.4208% | 2,566 |
| Loan and lease loss provision to assets | 0.5210% | 2,940 |
| Net operating income to assets | 0.0540% | 5,699 |
| Return on assets (ROA) | 0.2488% | 5,187 |
| Pretax return on assets | 0.3180% | 5,172 |
| Return on Equity (ROE) | 2.4795% | 5,116 |
| Retained earnings to average equity (ytd only) | -4.2339% | 6,176 |
| Net charge-offs to loans | 1.2748% | 1,454 |
| Credit loss provision to net charge-offs | 99.1453% | 4,644 |
| Earnings coverage of net charge-offs (x) | 1.1214% | 4,683 |
| Efficiency ratio | 84.7670% | 2,387 |
| Assets per employee ($millions) | 2.7642% | 6,711 |
| Cash dividends to net income (ytd only)* | 270.7581% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 3,681 |
| Loan loss allowance to noncurrent loans | 48.2967% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 1.2671% | 4,405 |
| Noncurrent loans to loans | 2.9154% | 2,466 |
| Net loans and leases to total assets | 41.4399% | 7,479 |
| Net loans and leases to deposits | 52.3465% | 7,364 |
| Net loans and leases to core deposits | 62.3898% | 7,366 |
| Total domestic deposits to total assets | 79.1646% | 5,761 |
| Equity capital to assets | 10.3528% | 3,561 |
| Core capital (leverage) ratio | 7.3666% | 7,167 |
| Tier 1 risk-based capital ratio | 11.5494% | 5,336 |
| Total risk-based capital ratio | 12.5125% | 5,542 |
| Memoranda: | ||
| Average total assets | $222,637,670 | 2,944 |
| Average earning assets | $202,928,000 | 2,964 |
| Average equity | $22,343,330 | 2,933 |
| Average total loans | $91,777,330 | 4,237 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6687% | 7,552 |
| Cost of funding earning assets | 1.4877% | 6,441 |
| Net interest margin | 3.1810% | 5,922 |
| Noninterest income to average assets | 1.5069% | 624 |
| Noninterest expense to average assets | 3.2014% | 2,981 |
| Loan and lease loss provision to assets | 0.4068% | 2,887 |
| Net operating income to assets | 0.7995% | 3,134 |
| Return on assets (ROA) | 1.2611% | 1,577 |
| Pretax return on assets | 1.2611% | 2,406 |
| Return on Equity (ROE) | 12.7581% | 1,449 |
| Retained earnings to average equity (ytd only) | 12.7581% | 674 |
| Net charge-offs to loans | 1.0481% | 1,292 |
| Credit loss provision to net charge-offs | 95.0413% | 3,891 |
| Earnings coverage of net charge-offs (x) | 2.8182% | 3,370 |
| Efficiency ratio | 72.6324% | 4,079 |
| Assets per employee ($millions) | 2.7561% | 6,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 3,487 |
| Loan loss allowance to noncurrent loans | 41.6749% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 1.7020% | 3,366 |
| Noncurrent loans to loans | 3.3654% | 1,909 |
| Net loans and leases to total assets | 42.0372% | 7,463 |
| Net loans and leases to deposits | 53.4864% | 7,318 |
| Net loans and leases to core deposits | 62.4484% | 7,374 |
| Total domestic deposits to total assets | 78.5941% | 5,845 |
| Equity capital to assets | 11.0660% | 2,909 |
| Core capital (leverage) ratio | 7.6466% | 6,959 |
| Tier 1 risk-based capital ratio | 12.6812% | 4,407 |
| Total risk-based capital ratio | 13.6586% | 4,532 |
| Memoranda: | ||
| Average total assets | $226,154,500 | 2,915 |
| Average earning assets | $206,223,000 | 2,933 |
| Average equity | $22,354,500 | 2,937 |
| Average total loans | $92,355,000 | 4,247 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5906% | 7,095 |
| Cost of funding earning assets | 1.8914% | 6,751 |
| Net interest margin | 3.6992% | 4,476 |
| Noninterest income to average assets | 0.8570% | 2,182 |
| Noninterest expense to average assets | 3.2686% | 3,080 |
| Loan and lease loss provision to assets | 0.1037% | 6,051 |
| Net operating income to assets | 0.8973% | 3,007 |
| Return on assets (ROA) | 0.8967% | 2,853 |
| Pretax return on assets | 0.8920% | 3,749 |
| Return on Equity (ROE) | 9.5230% | 2,429 |
| Retained earnings to average equity (ytd only) | 4.4877% | 2,335 |
| Net charge-offs to loans | -0.0108% | 7,863 |
| Credit loss provision to net charge-offs | -1,944.4444% | 7,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6398% | 3,130 |
| Assets per employee ($millions) | 3.1181% | 5,725 |
| Cash dividends to net income (ytd only)* | 52.8751% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 3,424 |
| Loan loss allowance to noncurrent loans | 71.8049% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 0.9792% | 4,383 |
| Noncurrent loans to loans | 1.8932% | 2,916 |
| Net loans and leases to total assets | 38.7143% | 7,732 |
| Net loans and leases to deposits | 47.2170% | 7,746 |
| Net loans and leases to core deposits | 55.6051% | 7,752 |
| Total domestic deposits to total assets | 81.9923% | 4,204 |
| Equity capital to assets | 8.8404% | 5,585 |
| Core capital (leverage) ratio | 9.0557% | 4,662 |
| Tier 1 risk-based capital ratio | 11.0896% | 5,652 |
| Total risk-based capital ratio | 12.0497% | 5,817 |
| Memoranda: | ||
| Average total assets | $168,726,800 | 3,574 |
| Average earning assets | $155,438,600 | 3,558 |
| Average equity | $15,887,800 | 3,952 |
| Average total loans | $83,629,400 | 4,408 |